The document provides information on payment plans and billing for St. John's University students, including details on viewing e-bills online, adding authorized users, enrollment in a fixed-rate tuition plan, and contact information for the Office of Student Financial Services. Payment plans allow students to pay tuition and fees in installments, and students can add authorized users so parents or others can access billing statements.
This document provides information on various types of financial institutions and banking services. It discusses commercial banks, credit unions, savings accounts, checking accounts, loans, online banking, and other services offered by banks. The key points covered include the differences between banks and credit unions, factors to consider when choosing a bank, requirements for opening an account, and fees associated with various products and services.
The document provides an overview of the William D. Ford Federal Direct Loan Program, including information about loan and disbursement processing, the Master Promissory Note, Direct PLUS Loan processing, funding, consolidation, borrower benefits and communication, and customer service. It addresses common questions from schools about various aspects of the Direct Loan Program in a question and answer format.
The document provides information on establishing and maintaining good credit. It discusses the importance of creditors evaluating a person's ability and willingness to repay debts through their credit rating and the "3 Cs" of character, capacity, and capital. It offers tips for establishing good credit such as taking out small loans and paying all bills on time. It also covers considerations for choosing credit, types of loan sources, and maintaining good financial habits to protect one's credit rating.
Credit allows consumers to purchase goods and services now and pay for them later. When using credit, finance charges in the form of interest and fees are usually incurred. The amount of credit used, annual percentage rate, and length of repayment time all affect the size of finance charges. While credit provides advantages like convenience and access to costly items, it also poses disadvantages like reducing future income and risk of serious consequences if misused. Different types of credit include sales credit for purchases and cash credit for loans. Establishing a good credit history involves steps like maintaining employment, managing bank accounts responsibly, and initially using small credit limits and paying bills on time. Credit ratings evaluate a person's creditworthiness based on their credit report and credit score
Here are some tips for settling in during your first few days:
- Introduce yourself to your flatmates and be friendly and welcoming to help everyone feel comfortable. Leaving your door open is a good way to meet people.
- Get involved in Welcome Week activities to meet new people from your course and other programmes. Attend the Fresher's Fayre to find out about clubs and societies.
- Explore the campus and get familiar with where your lectures will be and key facilities like the library, sports centre and shops. Make sure to download your timetable.
- Don't be afraid to ask questions if you need help finding your way around or have any other concerns. Staff are there to support
The document summarizes consumer protections for credit card users established by the CARD Act of 2009. It outlines rules regarding credit card agreements, interest rate increases, fees, billing statements, payment requirements, credit limits, credit reports, gift cards and overdraft protection. Key points include requirements that card issuers provide 45 day advance notice of rate hikes or penalty fee increases and allow customers to reject changes by closing their accounts.
Cleartelligence has created an HTML5 dashboard solution that can utilize your current BusinessObjects environment and be displayed on any mobile device. This slidedeck is high level. If you want to know the details of our solution please reach out to me.
This document provides information on various types of financial institutions and banking services. It discusses commercial banks, credit unions, savings accounts, checking accounts, loans, online banking, and other services offered by banks. The key points covered include the differences between banks and credit unions, factors to consider when choosing a bank, requirements for opening an account, and fees associated with various products and services.
The document provides an overview of the William D. Ford Federal Direct Loan Program, including information about loan and disbursement processing, the Master Promissory Note, Direct PLUS Loan processing, funding, consolidation, borrower benefits and communication, and customer service. It addresses common questions from schools about various aspects of the Direct Loan Program in a question and answer format.
The document provides information on establishing and maintaining good credit. It discusses the importance of creditors evaluating a person's ability and willingness to repay debts through their credit rating and the "3 Cs" of character, capacity, and capital. It offers tips for establishing good credit such as taking out small loans and paying all bills on time. It also covers considerations for choosing credit, types of loan sources, and maintaining good financial habits to protect one's credit rating.
Credit allows consumers to purchase goods and services now and pay for them later. When using credit, finance charges in the form of interest and fees are usually incurred. The amount of credit used, annual percentage rate, and length of repayment time all affect the size of finance charges. While credit provides advantages like convenience and access to costly items, it also poses disadvantages like reducing future income and risk of serious consequences if misused. Different types of credit include sales credit for purchases and cash credit for loans. Establishing a good credit history involves steps like maintaining employment, managing bank accounts responsibly, and initially using small credit limits and paying bills on time. Credit ratings evaluate a person's creditworthiness based on their credit report and credit score
Here are some tips for settling in during your first few days:
- Introduce yourself to your flatmates and be friendly and welcoming to help everyone feel comfortable. Leaving your door open is a good way to meet people.
- Get involved in Welcome Week activities to meet new people from your course and other programmes. Attend the Fresher's Fayre to find out about clubs and societies.
- Explore the campus and get familiar with where your lectures will be and key facilities like the library, sports centre and shops. Make sure to download your timetable.
- Don't be afraid to ask questions if you need help finding your way around or have any other concerns. Staff are there to support
The document summarizes consumer protections for credit card users established by the CARD Act of 2009. It outlines rules regarding credit card agreements, interest rate increases, fees, billing statements, payment requirements, credit limits, credit reports, gift cards and overdraft protection. Key points include requirements that card issuers provide 45 day advance notice of rate hikes or penalty fee increases and allow customers to reject changes by closing their accounts.
Cleartelligence has created an HTML5 dashboard solution that can utilize your current BusinessObjects environment and be displayed on any mobile device. This slidedeck is high level. If you want to know the details of our solution please reach out to me.
Adobe Captivate permite crear tutoriales interactivos y presentaciones que pueden publicarse en Youtube. Los videos de Youtube se pueden insertar fácilmente en blogs para compartir tutoriales y presentaciones con otros.
This slideshow document demonstrates how to navigate between slides by going next and includes 5 slides with instructions to go to the next slide on each one until the final slide says "Bye".
The document provides information from the Bursar's Office at SIUE about student billing and payments. It explains what a bursar is, how to access billing information through CougarNet, how to accept financial responsibility, authorize third parties to access billing information, make payments online or by installment plan, and get refunds through direct deposit or prepaid debit card. The document informs students of important billing dates and financial clearance requirements.
This document provides information about the costs of attendance, financial aid process, billing, and payment options for Johnson State College. It outlines the steps students and parents should take to calculate costs, complete financial aid paperwork such as the FAFSA and verification, accept aid awards, take care of loans including entrance counseling and promissory notes, understand billing statements, and meet important payment deadlines. Key tasks discussed include finalizing financial aid, paying outstanding balances in full or setting up a payment plan by the first payment deadline of August 13th.
This document provides information about financial aid processes at Johnson State College (JSC). It discusses calculating cost of attendance, financial aid deadlines and to-do lists, accepting aid awards, completing entrance counseling and promissory notes, payment options including payment plans, health insurance requirements, and contact information for help. Key deadlines mentioned are August 12th to finalize payments or payment plans to avoid late fees, and September 30th to decline health insurance. The document emphasizes communication between students and parents and stresses the importance of meeting deadlines and regularly checking student email.
To receive financial aid from Sam Houston State University, a student must complete several steps:
1. Complete the FAFSA online and provide parental information if required.
2. Check the status of your financial aid application online through the university's portal and view requirement statuses.
3. Once all requirements are received and reviewed, an award notification email will be sent; students can then accept or decline offered aid through the university portal.
This document provides a guide to understanding credit reports and maintaining a healthy credit score. It discusses the key components of a credit report including personal information, credit accounts, inquiries, and public records. It then outlines factors that affect credit scores such as payment history, credit utilization, length of credit history, and types of credit. The document concludes by providing tips for keeping credit in good standing such as paying bills on time, negotiating delinquencies, and using MyFico.com to monitor credit scores.
Potential employers check credit scores as an indicator of responsibility. Developing good money management habits begins with tracking cash flow - income vs. expenses and savings vs. debt. For college students, income comes from scholarships, loans, work, savings or family. Expenses include necessities, extras and emergencies. Students should develop short, mid and long-term financial plans using bank accounts, credit/debit cards responsibly, and applying for financial aid like grants, work-study and loans.
Are You Credit Wise? Financial Literacy WorkbookAreYouCreditWise
This document provides an overview of credit reports and scores to help students understand how their credit history is assessed. It explains that a credit report details an individual's credit accounts and payment history, while a credit score grades them on their creditworthiness. A good credit score is important for major purchases and opportunities. The document advises students to check their credit reports annually from each of the three major bureaus to ensure accuracy and catch any errors or fraudulent activity. Maintaining a positive payment history and credit utilization is key to establishing a strong credit profile.
Are You Credit Wise? Financial Literacy WorkbookAreYouCreditWise
This document provides an overview of credit reports and scores to help students understand how their credit history is assessed. It explains that a credit report details an individual's credit accounts and payment history, while a credit score grades them on their creditworthiness. A good credit score is important for major purchases and opportunities. The document advises students to check their credit reports annually from each of the three major bureaus to ensure accuracy and catch any errors or fraudulent activity.
Credit scores influence the credit that’s available and the terms i.e. interest rate, etc. that lenders may offer. It’s a vital part of credit health, and when a consumer applies for credit - whether for a credit card, an auto loan, or a mortgage, lenders want to know what risk they'd take by loaning money. When lenders order a credit report, they are seeking information, and a credit score helps lenders evaluate a credit report because it’s simply a number that summarizes credit risk.
The financial aid department assists students with all financial aid questions, veteran affairs, and financial counseling. Students must complete the financial aid checklist, plans of attendance form, and submit any required documents through their financial aid portal. Once completed, the financial aid office will review documents and create award letters. Students who withdraw from classes may have their financial aid adjusted. Refunds are issued within 14 days if a direct deposit form is on file. Veterans should notify the office of any schedule changes so certifications can be updated. Students are advised to review financial aid policies and check their status each semester.
A groups of presentations regarding federal loan debt, repayment, and what to do if you cannot make payments. Also includes specific information for programs at UNTHSC and their cost of attendance, disbursement and budgeting.
This self-paced course is designed to provide you with a basic understanding of personal financial management to help you meet life's challenges and opportunities in college and in life. Major topics covered include: financial planning; budgeting; information on the various sources of financial aid; credit use; standards of progress for financial aid eligibility; affording the loan debt that you have borrowed; using your maximum credit wisely; and retirement planning. Students will be provided with information that will enhance their knowledge and skills to assist them with making more informed decisions that are related to various practices as they pursue their education at Madison College.
This document provides information on financial literacy topics such as budgeting, credit, and paying down debt. It discusses calculating income and expenses to create a budget, tracking spending, reducing expenses, and minimizing debt through strategies like paying more than the minimum on high-interest loans. Credit reports and scores are explained, along with ways to improve credit like correcting errors and paying off collections. Examples are given showing how paying extra each month towards the highest interest debt can save thousands in interest over the life of the loans.
This document provides an overview of personal banking services. It discusses opening checking and savings accounts, the differences between banks and credit unions, account verification services like ChexSystems, debit cards, check writing, keeping fees low, certificates of deposit, safe deposit boxes, and how to properly manage accounts. The goal is to give participants a thorough understanding of banking basics to help them benefit from financial institution services.
Adobe Captivate permite crear tutoriales interactivos y presentaciones que pueden publicarse en Youtube. Los videos de Youtube se pueden insertar fácilmente en blogs para compartir tutoriales y presentaciones con otros.
This slideshow document demonstrates how to navigate between slides by going next and includes 5 slides with instructions to go to the next slide on each one until the final slide says "Bye".
The document provides information from the Bursar's Office at SIUE about student billing and payments. It explains what a bursar is, how to access billing information through CougarNet, how to accept financial responsibility, authorize third parties to access billing information, make payments online or by installment plan, and get refunds through direct deposit or prepaid debit card. The document informs students of important billing dates and financial clearance requirements.
This document provides information about the costs of attendance, financial aid process, billing, and payment options for Johnson State College. It outlines the steps students and parents should take to calculate costs, complete financial aid paperwork such as the FAFSA and verification, accept aid awards, take care of loans including entrance counseling and promissory notes, understand billing statements, and meet important payment deadlines. Key tasks discussed include finalizing financial aid, paying outstanding balances in full or setting up a payment plan by the first payment deadline of August 13th.
This document provides information about financial aid processes at Johnson State College (JSC). It discusses calculating cost of attendance, financial aid deadlines and to-do lists, accepting aid awards, completing entrance counseling and promissory notes, payment options including payment plans, health insurance requirements, and contact information for help. Key deadlines mentioned are August 12th to finalize payments or payment plans to avoid late fees, and September 30th to decline health insurance. The document emphasizes communication between students and parents and stresses the importance of meeting deadlines and regularly checking student email.
To receive financial aid from Sam Houston State University, a student must complete several steps:
1. Complete the FAFSA online and provide parental information if required.
2. Check the status of your financial aid application online through the university's portal and view requirement statuses.
3. Once all requirements are received and reviewed, an award notification email will be sent; students can then accept or decline offered aid through the university portal.
This document provides a guide to understanding credit reports and maintaining a healthy credit score. It discusses the key components of a credit report including personal information, credit accounts, inquiries, and public records. It then outlines factors that affect credit scores such as payment history, credit utilization, length of credit history, and types of credit. The document concludes by providing tips for keeping credit in good standing such as paying bills on time, negotiating delinquencies, and using MyFico.com to monitor credit scores.
Potential employers check credit scores as an indicator of responsibility. Developing good money management habits begins with tracking cash flow - income vs. expenses and savings vs. debt. For college students, income comes from scholarships, loans, work, savings or family. Expenses include necessities, extras and emergencies. Students should develop short, mid and long-term financial plans using bank accounts, credit/debit cards responsibly, and applying for financial aid like grants, work-study and loans.
Are You Credit Wise? Financial Literacy WorkbookAreYouCreditWise
This document provides an overview of credit reports and scores to help students understand how their credit history is assessed. It explains that a credit report details an individual's credit accounts and payment history, while a credit score grades them on their creditworthiness. A good credit score is important for major purchases and opportunities. The document advises students to check their credit reports annually from each of the three major bureaus to ensure accuracy and catch any errors or fraudulent activity. Maintaining a positive payment history and credit utilization is key to establishing a strong credit profile.
Are You Credit Wise? Financial Literacy WorkbookAreYouCreditWise
This document provides an overview of credit reports and scores to help students understand how their credit history is assessed. It explains that a credit report details an individual's credit accounts and payment history, while a credit score grades them on their creditworthiness. A good credit score is important for major purchases and opportunities. The document advises students to check their credit reports annually from each of the three major bureaus to ensure accuracy and catch any errors or fraudulent activity.
Credit scores influence the credit that’s available and the terms i.e. interest rate, etc. that lenders may offer. It’s a vital part of credit health, and when a consumer applies for credit - whether for a credit card, an auto loan, or a mortgage, lenders want to know what risk they'd take by loaning money. When lenders order a credit report, they are seeking information, and a credit score helps lenders evaluate a credit report because it’s simply a number that summarizes credit risk.
The financial aid department assists students with all financial aid questions, veteran affairs, and financial counseling. Students must complete the financial aid checklist, plans of attendance form, and submit any required documents through their financial aid portal. Once completed, the financial aid office will review documents and create award letters. Students who withdraw from classes may have their financial aid adjusted. Refunds are issued within 14 days if a direct deposit form is on file. Veterans should notify the office of any schedule changes so certifications can be updated. Students are advised to review financial aid policies and check their status each semester.
A groups of presentations regarding federal loan debt, repayment, and what to do if you cannot make payments. Also includes specific information for programs at UNTHSC and their cost of attendance, disbursement and budgeting.
This self-paced course is designed to provide you with a basic understanding of personal financial management to help you meet life's challenges and opportunities in college and in life. Major topics covered include: financial planning; budgeting; information on the various sources of financial aid; credit use; standards of progress for financial aid eligibility; affording the loan debt that you have borrowed; using your maximum credit wisely; and retirement planning. Students will be provided with information that will enhance their knowledge and skills to assist them with making more informed decisions that are related to various practices as they pursue their education at Madison College.
This document provides information on financial literacy topics such as budgeting, credit, and paying down debt. It discusses calculating income and expenses to create a budget, tracking spending, reducing expenses, and minimizing debt through strategies like paying more than the minimum on high-interest loans. Credit reports and scores are explained, along with ways to improve credit like correcting errors and paying off collections. Examples are given showing how paying extra each month towards the highest interest debt can save thousands in interest over the life of the loans.
This document provides an overview of personal banking services. It discusses opening checking and savings accounts, the differences between banks and credit unions, account verification services like ChexSystems, debit cards, check writing, keeping fees low, certificates of deposit, safe deposit boxes, and how to properly manage accounts. The goal is to give participants a thorough understanding of banking basics to help them benefit from financial institution services.
1. The document discusses the SSS Member Loan Penalty Condonation Program for Employers, which condones penalties on unremitted or delinquent loan amortizations for certain member loans if paid in full or through an approved installment plan by June 30, 2011.
2. Eligible employers must be current on employee contribution payments and may avail of the program if their employees have delinquent loans.
3. The program condones penalties but the outstanding loan principal and interest up to April 1, 2010 must still be paid. Full payment or an installment plan of up to 24 months at 3% interest can be submitted for approval.
This document provides an overview of a financial well-being workshop for students. It defines important financial terms, explains concepts like budgets, loans, grants and scholarships. It also discusses building credit and maintaining financial well-being. The workshop aims to help students develop skills to manage their finances and avoid unnecessary debt while in college and beyond.
The document provides information about university scholarships at East Carolina University, including eligibility requirements, the application process, and contact information. It states that scholarships are available to both incoming and continuing students, that applications are typically due in December through February, and that students can check the scholarship management system or individual college websites for scholarship opportunities and application methods. It concludes by providing contact information for the Office of University Scholarships.
South Dakota State University degree offer diploma Transcriptynfqplhm
办理美国SDSU毕业证书制作南达科他州立大学假文凭定制Q微168899991做SDSU留信网教留服认证海牙认证改SDSU成绩单GPA做SDSU假学位证假文凭高仿毕业证GRE代考如何申请南达科他州立大学South Dakota State University degree offer diploma Transcript
Discovering Delhi - India's Cultural Capital.pptxcosmo-soil
Delhi, the heartbeat of India, offers a rich blend of history, culture, and modernity. From iconic landmarks like the Red Fort to bustling commercial hubs and vibrant culinary scenes, Delhi's real estate landscape is dynamic and diverse. Discover the essence of India's capital, where tradition meets innovation.
Dr. Alyce Su Cover Story - China's Investment Leadermsthrill
In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
Budgeting as a Control Tool in Government Accounting in Nigeria
Being a Paper Presented at the Nigerian Maritime Administration and Safety Agency (NIMASA) Budget Office Staff at Sojourner Hotel, GRA, Ikeja Lagos on Saturday 8th June, 2024.
University of North Carolina at Charlotte degree offer diploma Transcripttscdzuip
办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
The Rise and Fall of Ponzi Schemes in America.pptxDiana Rose
Ponzi schemes, a notorious form of financial fraud, have plagued America’s investment landscape for decades. Named after Charles Ponzi, who orchestrated one of the most infamous schemes in the early 20th century, these fraudulent operations promise high returns with little or no risk, only to collapse and leave investors with significant losses. This article explores the nature of Ponzi schemes, notable cases in American history, their impact on victims, and measures to prevent falling prey to such scams.
Understanding Ponzi Schemes
A Ponzi scheme is an investment scam where returns are paid to earlier investors using the capital from newer investors, rather than from legitimate profit earned. The scheme relies on a constant influx of new investments to continue paying the promised returns. Eventually, when the flow of new money slows down or stops, the scheme collapses, leaving the majority of investors with substantial financial losses.
Historical Context: Charles Ponzi and His Legacy
Charles Ponzi is the namesake of this deceptive practice. In the 1920s, Ponzi promised investors in Boston a 50% return within 45 days or 100% return in 90 days through arbitrage of international reply coupons. Initially, he paid returns as promised, not from profits, but from the investments of new participants. When his scheme unraveled, it resulted in losses exceeding $20 million (equivalent to about $270 million today).
Notable American Ponzi Schemes
1. Bernie Madoff: Perhaps the most notorious Ponzi scheme in recent history, Bernie Madoff’s fraud involved $65 billion. Madoff, a well-respected figure in the financial industry, promised steady, high returns through a secretive investment strategy. His scheme lasted for decades before collapsing in 2008, devastating thousands of investors, including individuals, charities, and institutional clients.
2. Allen Stanford: Through his company, Stanford Financial Group, Allen Stanford orchestrated a $7 billion Ponzi scheme, luring investors with fraudulent certificates of deposit issued by his offshore bank. Stanford promised high returns and lavish lifestyle benefits to his investors, which ultimately led to a 110-year prison sentence for the financier in 2012.
3. Tom Petters: In a scheme that lasted more than a decade, Tom Petters ran a $3.65 billion Ponzi scheme, using his company, Petters Group Worldwide. He claimed to buy and sell consumer electronics, but in reality, he used new investments to pay off old debts and fund his extravagant lifestyle. Petters was convicted in 2009 and sentenced to 50 years in prison.
4. Eric Dalius and Saivian: Eric Dalius, a prominent figure behind Saivian, a cashback program promising high returns, is under scrutiny for allegedly orchestrating a Ponzi scheme. Saivian enticed investors with promises of up to 20% cash back on everyday purchases. However, investigations suggest that the returns were paid using new investments rather than legitimate profits. The collapse of Saivian l
An accounting information system (AIS) refers to tools and systems designed for the collection and display of accounting information so accountants and executives can make informed decisions.
Monthly Market Risk Update: June 2024 [SlideShare]Commonwealth
Markets rallied in May, with all three major U.S. equity indices up for the month, said Sam Millette, director of fixed income, in his latest Market Risk Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
Confirmation of Payee (CoP) is a vital security measure adopted by financial institutions and payment service providers. Its core purpose is to confirm that the recipient’s name matches the information provided by the sender during a banking transaction, ensuring that funds are transferred to the correct payment account.
Confirmation of Payee was built to tackle the increasing numbers of APP Fraud and in the landscape of UK banking, the spectre of APP fraud looms large. In 2022, over £1.2 billion was stolen by fraudsters through authorised and unauthorised fraud, equivalent to more than £2,300 every minute. This statistic emphasises the urgent need for robust security measures like CoP. While over £1.2 billion was stolen through fraud in 2022, there was an eight per cent reduction compared to 2021 which highlights the positive outcomes obtained from the implementation of Confirmation of Payee. The number of fraud cases across the UK also decreased by four per cent to nearly three million cases during the same period; latest statistics from UK Finance.
In essence, Confirmation of Payee plays a pivotal role in digital banking, guaranteeing the flawless execution of banking transactions. It stands as a guardian against fraud and misallocation, demonstrating the commitment of financial institutions to safeguard their clients’ assets. The next time you engage in a banking transaction, remember the invaluable role of CoP in ensuring the security of your financial interests.
For more details, you can visit https://technoxander.com.
Economic Risk Factor Update: June 2024 [SlideShare]Commonwealth
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
Explore the world of investments with an in-depth comparison of the stock market and real estate. Understand their fundamentals, risks, returns, and diversification strategies to make informed financial decisions that align with your goals.
2. Student UIS System
To log into the Student Information System (UIS),
please follow the directions below:
• Go To www.stjohns.edu
• Click UIS at bottom of page, click link for Login UIS
• Enter User ID, which is your X-ID number with a capital X
• The PIN is your birth date the first time you log in (for example, 050112 for May
1, 2012)
If you have questions concerning your User ID or PIN, please contact
The International Student and Scholar Services Office.
2
3. Important Billing Information
• A semester bill will generate once your classes have
been entered
• Tuition is due in full by the Due Date prior to each
semester
• Consider the monthly payment plans if you cannot
pay in full
3
4. P a y m e n t P la n s
St. John’s offers several payment options to assist in either
budgeting or financing your education.
– These plans offer an alternative payment option to ease the
burden of having to make one payment for tuition, fees and
housing each semester.
– Plans allow you to enroll 30 days prior to payment due date.
4
5. S t . J o h n ’ s U n iv e r s it y P a y m e n t P la n s
F a l l 2 0 12
Plan-A
Premium Auto Pay
What is the Cost of the plan? The Installment Fee is $75 per semester
How many installments are in the plan? 4
When can I enroll in the plan? Beginning June 25, 2012
Enrollment closes on July 25, 2012 – Payment Due Date
*Open for a LIMITED TIME ONLY
When is the first installment payment due? Upon enrollment in the plan
What is the minimum first payment? 25% of balance plus the Installment Fee of $75
How are my payments calculated? All applicable charges, less any financial aid (approved or pending),
is taken into account. The plan automatically readjusts based on
changes made to your student account or financial aid
When are the remaining payments due? Aug. 29- (25%) /Sept 25- (25% ) /Oct 25- (25%)
What are the Payment methods? Auto Pay Only- Credit Card or ACH payment (deduction from your
designated savings or checking account)
What is Auto Pay? Auto Pay means that the payment which is due will automatically be
deducted from your designated account on the due date
How do I enroll in the Payment Plan? Visit the Student Account Center through your UIS account
May I authorize my parent or an authorized Yes. Visit the Student Account Center through your UIS account
user to view and pay the bill?
5
6. S t . J o h n ’ s U n iv e r s it y P a y m e n t P la n s
F a l l 2 0 12
Plan-B
Basic Auto Pay
What is the Cost of the plan? The Installment Fee is $150 per semester
How many installments are in the plan? 3
When can I enroll in the plan? Beginning June 25, 2012
Enrollment closes on September 1
When is the first installment payment due? Upon enrollment in the plan
What is the minimum first payment? 50% of balance plus the Installment Fee of $150
How are my payments calculated? All applicable charges, less any financial aid (approved or
pending), is taken into account. The plan automatically readjusts
based on changes made to your student account or financial aid
When are the remaining payments due? Sept 25 (25%) /Oct 25- (25%)
What are the Payment methods? Auto Pay Only- Credit Card or ACH payment (deduction from your
designated savings or checking account)
What is Auto Pay? Auto Pay means that the payment which is due will automatically
be deducted from your designated account on the due date
How do I enroll in the Payment Plan? Visit the Student Account Center through your UIS account
May I authorize my parent or an authorized Yes. Visit the Student Account Center through your UIS account
user to view and pay the bill?
*
6
7. S t . J o h n ’ s U n iv e r s it y P a y m e n t
P la n s
• Information on these payment plans are available at St. John’s University
website at:
www.stjohns.edu/services/financial/bursar/payments/payments.stj
7
8. W h a t A r e T h e A v a ila b le P a y m e n t
M e tho d s ?
• Online - Pay by Credit Card (St. John’s currently accepts):
– Visa, MasterCard, Discover and American Express
– If you have a US bank account, you may utilize electronic
WebCheck payments online from a checking or savings account
• By Mail – Certified Checks and Money Orders (Please make sure your
X-ID number is written on all checks)
St. John’s University
Office of Student Financial Services
P.O Box 416654
Boston, MA 02241-6654
Do not submit overpayments to the University for personal expenses.
Please arrange personal living expenses between yourself and your
home banking institution directly as University overpayments are not
refunded.
8
9. W h a t A r e T h e A v a ila b le P a y m e n t
M e tho d s ?
• Wire Transfer
Please request a bank representative to send a letter and/or fax
(718) 990-8284 to the attention of Vesselina P. Stoyanov stating
intention to wire money on your behalf and indicating the following
information:
– Student name
– ID number
– Amount of payment
– Semester
– Description
• Once we receive the letter, we will directly contact your bank and
will arrange for the proper transfer of funds for tuition and fees
ONLY!
IMPORTANT-Wire transfers cannot exceed the actual costs of
tuition and fees per semester. Please arrange personal living
expenses between yourself and your home banking institution
9
directly as University overpayments are not refunded.
11. W h a t is a n E -B ill ?
• An electronic bill is a paperless bill which outlines your direct
costs per semester
• Direct costs include tuition, fees, health insurance, room and
board (if applicable)
• Approximate Undergraduate tuition for 2012-13 will be $17,375
plus fees per semester billable and due one semester at a time
• F1/J1 Visa Students require mandatory University issued
Health Insurance for attendance
• Fall 2012 bills will be available to registered students starting
June 25, 2012 with a Due Date of July 25, 2012
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12. H o w t o V i e w Yo u r E - B i l l O n l i n e
• Upon acceptance each
student will receive an X-ID
number and access to their
individual UIS (University
Information System) account
• Once you have logged into
your UIS account Click on
Student Account
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13. H o w t o V i e w Yo u r E - B i l l O n l i n e
• Click on Student Account
Suite
• This will then take you to
TouchNet (our secure third party
payment servicer)
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14. H o w t o V i e w Yo u r E - B i l l O n l i n e
• Select the tab “E-Bills”
S e le c t t o
V ie w p r e v io u s
• You can view and
s ta te me nts print the latest
statement as well as
previous statements
• Current balance
includes activity since
your last statement
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16. H o w t o A d d a n A u t h o r iz e d U s e r
• An authorized user is a parent
or someone approved by the
student to pay the student’s
bill
• To add an authorized user the
student must first log into their
UIS account and select the
Student Account Menu
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17. H o w t o A d d a n A u t h o r iz e d U s e r
• Next Click on Student
Account Suite
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18. H o w t o A d d a n A u t h o r iz e d U s e r
• Touchnet will
directly log you
into your personal
home page
• Select the
Authorized Users
tab
• Click on “Add an
Authorized User”
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19. H o w t o A d d a n A u t h o r iz e d U s e r
• You will then be prompted
to add the E-mail address
of the person you would
like to have as an
authorized user
• Select your options of
what access you would
like them to have:
– View billing statement
– View payment history
• Click on Add User once
your options have been
selected
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20. H o w t o A d d a n A u t h o r iz e d U s e r
• You will then have
to agree to the
terms
– Check the box “I
Agree”
– And Click
Continue
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21. H o w t o A d d a n A u t h o r iz e d U s e r
• An E-mail will be
sent to the E-mail
address provided
for the authorized
user with
instructions on how
to log in
• The authorized
user will now be
able to view billing
statement and/or
view payment
history depending
on the access given
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22. W h a t is t h e F ix e d R a t e Tu it io n P la n ?
• If you are pursuing an undergraduate (Bachelor’s )degree, you may
enroll in the Fixed Rate Tuition Plan. This plan is available for
Undergraduates only!
• With our Fixed Rate tuition Plan, you lock in your tuition rate for four
continuous undergraduate years of study
• For 2012-2013 the Fixed Rate Tuition has been set at $37,150 per
year
• Please note that students attending The Peter J. Tobin College of
Business or majoring in the Doctor of Pharmacy program have a
tuition differential added to the fixed-rate tuition beginning their third
year of study
• To join our Fixed Rate Tuition Plan, undergraduate students will need
to complete the Fixed Rate Tuition Plan Contract and return it to the
Office of Student Financial Services. The contracts will be available
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on-line in May at: www.stjohns.edu
23. Contact the Office of Student Financial Services
• We are located on the ground level of Bent Hall directly across
from Carnesseca Arena, office hours are online at
http://www.stjohns.edu/services/financial/finaidcam.stj
• You may call our Customer Service Center with billing questions or
credit card payments at 718-990-2000 or toll free from within the
US at 888-9STJOHNS.
• You may email billing inquires to studentfinancialserv@stjohns.edu
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