Late Enrollment Fees (applies to students in degree granting programs only)
Fall & Spring Semesters:
Continuing students who do not enroll prior to the initial enrollment deadline will be charged a $50 late enrollment fee.
All students who initially enroll after the start of classes will be charged a $100 late enrollment fee until the middle of the semester.
All students initially enrolling after the middle of the semester will be charged a $200 late enrollment fee until the end of the semester.
Continuing students who initially enroll on the first day of classes through the midterm will be charged a $50 late enrollment fee.
All students who initially enroll after the midterm of the term of instruction of their course will be charged a $100 late enrollment fee.
All students initially enrolling after the last class day of the term of instruction will be charged a $300 late enrollment fee.
All students who have a course added to their academic record after the last class day of the term of instruction will be charged a $200 fee for each course added.
Late Registration Fee
Students who fail to return their payments by the bill due date
may be subject to a late registration fee of up to $50. Students
with a $0.00 Minimum Amount Due must confirm their attendance by
the bill due date. Failure to Confirm Attendance by the due date
may result in a $25 late registration fee.
Late Payment Charges
A $25 late payment charge will be assessed on any past due
student account. This includes, but is not limited to, past due
payment plans (both first and final installments), rent payments,
tuition adjustments, and adjustments to financial aid awards.
Bad Check Charges (Includes rejected ACH payments)
A $25 bad check/ACH fee and a $50 late registration fee will be assessed to a student whose registration check/ACH does not clear the bank when presented. Students failing to redeem their registration checks/ACH by the date stated on the notification letter will have their registration canceled.
There is a $25 fee assessed for each non-registration check/ACH which does not clear the bank when presented.
In addition to the assessed bad check/ACH fee, the University reserves the right to take one or more of the following actions:
Place an enrollment and registration hold.
Place the individual on the University Bad Check/ACH List which precludes the individual from cashing checks at the University and may be a cause for denying future short term loans.
Transfer the debt to a collection agency.
File a complaint with the police for possible prosecution.
Refer the student to the Judicial Affairs Office for disciplinary action.
Bring civil action against the individual for the amount of a returned check/ACH not redeemed within 30 days of the date of the notification letter and $250 in costs. In addition, the court could rule that you must also pay the greater of $100 or two times the amount of the returned check/ACH. If you pay the total amount due within 30 days, no civil action will be taken against you.
International Student Accident and Health Insurance
All registered international students including Lifelong Education
students (who are not Graduate Assistants) and their accompanying
family members are required to have health and accident insurance.
They are automatically charged the MSU Student Health Insurance Plan
insurance premium on Fall and/or Spring semester tuition billings.
If an international student has comparable coverage in a different
health plan, a waiver can be requested by contacting the MSU Benefits
Office. For information email:
studentinsurance@HR.msu.edu or call 800-353-4434 ext. 536. Web sites
which are available are:
students who are sponsored by an agency or government should contact the
Office for International Students and Scholars (OISS), 517-353-1720, or email to:
request a waiver. Sponsored students who have waived the MSU plan, but need
to enroll their spouse and/or eligible dependents may obtain an enrollment
form from OISS.
Administrative Fee for Sponsored International Students
Organizations sponsoring international students will be charged an
annual administrative fee for services and support rendered. The fee
of $700 is assessed in two installments of $350 each for the Fall and
Spring semesters for students who register at those times.
Course Fees and Out-of-State Tuition
If a student withdraws from the University or drops a course, the refund policy is:
For changes made through 1/4th of the term of the class (measured in weekdays - not class days), one hundred percent (100%) of the semester course fees and tuition for the net credits dropped will be refunded.
For changes made after the 1/4th of the term and through the end of the session, no refund will be made for any credits dropped, nor may courses be exchanged, even when counted by GA tuition waiver. Appeals concerning the refund policy should be referred to the Registrar's Office.
Net refunds due to a drop of credits or withdrawal from the University are processed daily and posted to the student's account. Amounts due students will be applied against outstanding balances owed the University or refunded to students. Questions regarding account balances should be referred to the Student Accounts Office, Hannah Administration Building, 426 Auditorium Road Rm 140.
Program Fees are refunded in the same percentage as course fees when withdrawing from the University or dropping from above 4 credits to 4 credits or less.
Student Government Taxes, FM Radio Tax, and The State News assessment are refundable upon presentation of the appropriate receipt at the respective organization's office by the publicized date.
Except for the last two weeks of the semester, residents granted a contract release will be refunded unused housing and food service payments for the balance of the academic semester. Details are found in the Rules for Living in the Residence Halls (pdf).
All financial aid (except College Work Study) which has been authorized at the time the Registration Billing Statement is produced, will appear on the bill. There are two types of financial aid - actual and anticipated.
Actual financial aid is aid which you are eligible to receive, as of the date of the registration bill. This aid will be listed in the "Financial Aid" transaction section of the bill. It has been applied to the fees you owe, reducing the amount you owe.
Anticipated financial aid will be listed separately on the bill, in the "Anticipated Financial Aid" section. Anticipated aid is not an actual payment on your account; it does not reduce the amount you owe. Anticipated aid is only used to reduce the "Minimum Amount Due" on the Registration Billing Statement.
Anticipated aid becomes actual aid 1) when you have accepted all aid as required and completed on-line or paper promissory notes as needed for any student or parent loans and 2) when the legal disbursement date for federal loans has arrived.
You may view your financial aid awards in STUINFO. Select eFinaid from the STUINFO menu. You must have your MSUNet ID and password to access this page.
The eFinaid will not only tell you your financial aid, but also will lead you through a series of individual messages designed to tell you what actions you need to take, especially regarding the processing of your student loans.
If you have a loan that is disbursed by check, go to Student Services, 556 E. Circle Dr Rm 252, to endorse your checks.
The Perkins Master Promissory Note website is accessible only to those students who have completed a Free Application for Federal Student Aid (FAFSA) and have been awarded a Perkins student loan.
If you have not completed a FAFSA, and wish to apply for financial aid, please visit the following website to complete this step: http://www.fafsa.ed.gov
If you wish to sign your Perkins loan note electronically you must first agree to perform financial aid business on-line by visiting the STUINFO website at http://stuinfo.msu.edu/ and follow the steps outlined in eConsent for Financial Aid (located under the FINANCIAL section). Financial aid eConsent will allow you to access your financial aid data in MSU web applications, to accept or decline loans, and to perform other financial aid business on-line.
Signing a Perkins Master Promissory Note (MPN) will enable you to receive Perkins loans for multiple award years without signing any additional promissory notes. Prior to the MPN, the Perkins program required students to sign a new full-year loan note each academic year.
If you do not want to electronically sign your Master Promissory Note you can request a paper Master Promissory Note, and related documents, be mailed to you. If you have not agreed to transact financial aid business on-line the only option available to you on this website will be the "I do not wish to sign my Perkins Loan Note electronically. Please send a paper note for my signature option at the bottom of the first page". Please note that if you choose to sign a paper promissory note:
Upon receipt of the paper request, you should expect 10-14 days for completion.
If the documents are not completed properly, they will be returned to you for correction.
After completing the steps necessary to request a paper note you will receive an e-mail confirming receipt of your request.
Health Profession loan notes, if applicable, will be mailed to you. Follow the instructions given regarding the return of notes and instructions for receiving your funds.
National Merit Scholarship Checks
The National Merit Scholarship will appear as anticipated financial aid on your registration bill until MSU receives actual funds from National Merit at the beginning of the semester.
Other Anticipated Aid
Follow the instructions that were included with your financial aid award notice.
Eligibility for each of the different awards is monitored at various points in the semester, ranging from the point of time it is credited to your account, to the end of the semester. You should refer to your financial aid award notification, or contact the Office of Financial Aid, for more specific information.
Refunds of Excess Financial Aid
If the total of your actual financial aid (no longer anticipated aid) exceeds the amount you owe and you have completed registration, you are entitled to a refund. Refunds will be directly deposited or mailed to your local address (if provided) during the week before classes begin. If your aid and registration are finalized after this, refunds are produced nightly and directly deposited or mailed the following workday through the 3rd day of classes (approximately). After this period, refunds are produced and directly deposited or mailed weekly.
Financial Aid Refund Policy
Students may be billed for a portion or even all of their financial aid awards if they drop credits or do not carry the minimum number of credits required for aid eligibility.
The value of Federal Pell Grant, MSU Student Aid Grant, Federal Supplemental Educational Opportunity Grant and Michigan Competitive Scholarship is determined each semester at the end of the 100 percent refund period (the first quarter of the semester).
Students will be billed for aid adjustments caused by changes in enrollment status.
Withdrawal from the University
In addition to billing for the dropping of credits associated with withdrawal, there may be additional billing, particularly if a student has received federal financial aid funds (including Federal Stafford Loan) which were to have covered the entire semester's educational costs. Refer to the next section for more detailed information on Title IV withdrawal refund rules.
Withdrawal through the first quarter of the semester will result in 100 percent billing of federal grant aid (Federal Supplemental Educational Opportunity Grant, Federal Pell Grant) and Michigan Competitive Scholarship and may also result in a partial or complete billing of loan aid (Federal Perkins Loan and Federal Stafford Loan) and other financial aid.
The bill calculated as a result of withdrawal will depend on the official date of withdrawal and/or the last date of attendance and the percentage and amount of institutional refund to be received.
Withdrawal for any semester during the regular academic year may result in cancellation of a student's financial aid award for the remainder of the academic year. If a student wishes to reapply for funds for spring semester, a written request must be submitted to the Office of Financial Aid within 30 days of withdrawing from the University.
Return of Funds Policy for Title IV Aid Recipients Who Withdraw
The Higher Education Amendments of 1998, as well as the program integrity regulations in 2010, set forth regulations governing the treatment of Title IV funds when a student withdraws from an institution.
There are three types of withdrawals that fall under the return to Title IV (R2T4) federal calculation regulations:
Official Withdrawals – student contacts the Registrar’s Office or their advisor to initiate an official withdrawal for a semester, or the student drops all of their courses through WebEnroll.
Unofficial Withdrawals - If a student begins to attend class, receives federal Title IV aid, but then ceases to attend class without providing official notification to the University, the Federal Government considers this to be an "unofficial withdrawal". For Title IV purposes, the withdrawal date for students who unofficially withdraw is considered to be the midpoint of the semester unless a documented last date of attendance can be determined. However, if the University determines that a student did not provide official notice of the intent to withdraw due to illness, accident, grievous personal loss or other circumstances beyond the student’s control, the University may use a date that is related to that circumstance. The refund rules for Title IV aid recipients who withdraw are then followed to determine the unearned portion of Title IV aid that must be returned to the appropriate aid program(s).
Modular Withdrawals – If a student is enrolled in a standard, term-based program offered in modules (subterms) and ceases attendance at any point prior to completing the payment period or period of enrollment, unless the school obtains written confirmation from the student at the time of the withdrawal that he or she will attend a module that begins later in the same payment period or period of enrollment, the student is considered a withdrawal for Title IV purposes. If written confirmation of future attendance is received from the student but the student does not return as scheduled, the student is considered to have withdrawn from the payment period or period of enrollment and the students withdrawal date and the total number of calendar days in the payment period or period of enrollment would be the withdrawal date and total number of calendar days that would have applied if the student had not provided written confirmation of future attendance.
When a student is considered to have withdrawn, as described above, during an enrollment period in which they have begun attendance and received federal Title IV financial aid, Michigan State University is required to determine the amount of earned and unearned Title IV aid. A student is only eligible to retain the percentage of Title IV aid disbursed that is equal to the percentage of the enrollment period that was completed by the student (calculated daily). The unearned Title IV aid must then be returned to the appropriate federal aid program(s). If more than 60% of the enrollment period has been completed by the student, no Title IV aid needs to be returned.
According to university policy, when a student withdraws prior to the quarter of the semester and/or receives a 100% tuition refund from the university, all of that semesters federal Title IV grant aid (SEOG, Pell Grant, Federal Teach Grant, Iraq and Afghanistan Service Grant) will be billed back to the students account. Most non-federal aid will also be billed back to the students account. All Title IV aid will be included in the calculations outlined below. Depending on the results of the calculations, some or all of the federal grant aid may be re-disbursed to the student account.
The following steps will be followed when determining the amount of Title IV aid to be returned upon withdrawal:
Determine percentage of enrollment period completed by student. Divide the number of days attended by the number of days in the enrollment period. If the calculated percentage exceeds 60%, then the student has earned all Title IV aid for the enrollment period.
Calculate the amount of earned Title IV aid. Multiply the percentage of the enrollment period completed by the total Title IV aid disbursed (or could have been disbursed as defined by late disbursement rules).
Determine amount of unearned aid to be returned to Title IV aid program accounts. Subtract the amount of earned federal aid from the total amount of federal aid disbursed. The difference must be returned to the appropriate Title IV aid program(s).
Return of Title IV funds by institution and student:
MSU will return unearned Title IV aid up to an amount that is equal to the total institutional charges for the payment period multiplied by the percentage of the Title IV aid that was unearned. Generally, a students tuition and fee refund and/or University Housing refund will satisfy this liability. On occasion, however, particularly when the student remains in University Housing beyond the withdrawal date, a bill will result.
The student will be responsible for the balance of unearned Title IV aid. In most cases, this will be the amount of federal aid funds a student received in the form of a refund for non-institutional expenses multiplied by the percentage of Title IV aid that was unearned.
If the students portion of aid to be returned is a loan, then the student is not immediately required to repay the loan. The terms of the original loan repayment agreement will apply.
If the students portion of aid to be returned is an overpayment of a grant, the student is required to only repay the amount exceeding 50% of the total grants. MSU will restore the grant funds to the appropriate federal account, with a resulting charge to the students account. The student will be responsible for repaying MSU for the grant overpayment.
Unearned Title IV Funds will be returned to federal programs in the following order:
Unsubsidized Federal Stafford Loans
Subsidized Federal Stafford Loans
Federal Perkins Loans
Federal Parent PLUS Loan
Federal Pell Grants
Federal Supplemental Educational Opportunity
Federal Teach Grants
Iraq and Afghanistan Grant
Example of a Title IV return of funds calculation for a Title IV recipient who is considered to have withdrawn:
Title IV Return of Funds
Title IV Loans
Title IV Grants
Total Title IV aid
Student withdrew on 35th day of a 110 day enrollment period.
Percent Earned 35/110 = 32%
Percent Unearned 100% - 32% = 68%
Amount of Title IV aid unearned $3,000 x 68% = $2,040
MSU is responsible for returning the lesser of unearned Title IV aid ($2,040 from above) or unearned institutional charges ($5,000 x 68% = $3,400). MSU will return aid as follows:
Title IV Loans $2,000 (students remaining loan debt = 0)
Title IV Grants $ 40
The students responsibility is amount of aid unearned ($2,040) less school responsibility ($2,040), which is zero.
The example shown above does not reflect every student refund situation that may exist. More detailed calculation examples are available in the Student Accounts Office, Hannah Administration Building, 426 Auditorium Road Rm 140, East Lansing, MI 48824, 517-355-5050, Fax 517-353-9640. Questions regarding the Return of Title IV Funds Policy for students who withdraw should be addressed to the Student Accounts Office.
The University reserves the right to amend the Title IV Return of Funds Policy at any time in order to comply with Federal regulations.