Two trees, full of green leaves, and a Utica Univesity banner stand in front of the Gannett Library on a warm day with the Science Center in the background.

Student Accounts and Billing

Directory
Student Accounts and Billing

Phone

(315) 792-3766

studentbilling@utica.edu

Department Type

Administrative

Office Location

126 White Hall

GRADGUARD TUITION INSURANCE
Your College Investment is Worth Protecting

Make a Payment

Enroll in the payment plan:

Go to www.utica.edu/studentaccount and then click Payment Plans on the left side.

Waive Health Insurance Fee:

If you have your own health plan or are fully covered under a parent/guardian health insurance plan, you can waive coverage at: utica.edu/health-waiver

The last day to waive Health Insurance for Fall 2026 is October 4, 2026.

(NOTE: You will be asked to upload an image (back/front) of your health insurance card to the Student Health Insurance Waiver portal. Please ensure that the image file size is less than 2MB.)

Complete the Student Account Consent Form:

Consent Form

Fall Billing Dates:

Fall payment plan is broken into 5 payments 7/1-11/1. Pay in full by 8/1
Spring Payment plan is broken into 5 payments 1/1 through 5/1. Pay in full by 1/1.

Billing Policies / Procedures

Here is some useful information on billing/tuition policies and procedures. If you have any questions or need help with your account please stop by the Center for Student Success or contact us today.

Course Load / Tuition Policy
To be full time, main campus undergraduate students must be registered for at least 12 credit hours with a maximum of 19 hours for all majors. For each credit hour above this limit, students will be charged a per credit hour rate.

Undergraduate, main campus students who are carrying less than 12 hours are charged at a per credit hour rate.

For information on the tuition refund schedule, see Student Accounts, above.

Bills
When your bill is ready for viewing, you will be notified in your Utica email.

Student Account Login
To view your bill and for secure access to your account, click here.

Student Accounts Policy and Procedures Manual

Options Include:

Direct Payments

If, after viewing your billing statement, you would prefer to make a payment directly to Utica University, we offer two payment options. To view your billing statement and access our payment site, please

Visit www.utica.edu/studentaccount
Login with your Utica email address and password if prompted.

Payment in Full

If you choose to pay your balance in full, please click on Make Payment located the first box on the left side of your payment screen.

International Students

You can pay your balance using our Flywire International Payment Portal. For information on how to use the portal, please see this brief instruction manual.

Enroll in the Payment Plan

Main Campus Undergraduate Students
For the Fall semester - enrolling in our payment plan allows you to pay the Fall semester balance over a period of five (5) months. When you enroll in the payment plan, you will be required to make an initial down payment of the total amount due for the Fall semester on or before July 1. The amount will be calculated on the total charges less Financial Aid as of the date of your enrollment. The remaining Fall balance is due in additional installments as follows: July 1, August 1, September 1, October 1, and November 1.

For the Spring semester - enrolling in the payment plan allows you to pay the semester balance over a period of five (5) months. When you enroll in the payment plan, you will be required to make an initial down payment of the total amount due on or before January 2. The remaining Spring balance is due in additional installments as follows: January 2, February 2, March 2, April 2, and May 2.

Please note there is a $75 enrollment fee per semester for the payment plan. Enrollment in the Payment Plan is available by logging in to your student account.
Online Students
Utica College offers a payment plan for online students who take classes year round (Summer, Fall Spring) in 4 installments for each semester enrolled.
Summer semester - the payment plan due dates are as follows: May 1, June 1, July 1 and August 1.
Fall semester - the payment plan due dates are as follows: August 2, September 2, October 2 and November 2.
Spring semester - the payment plan due dates are as follows: January 2, February 2, March 2, April 2.
If the balance is not paid by the last payment due date for the semester, the student will be charged a $50 late fee.

Enrollment in the Payment Plan is available by logging in to your student account.
Ground Grad Students
Fall

Payment for the Fall semester is due in full on July 1. If enrolling in the payment plan, the payment plan due dates are as follows: June 1, July 1, August 1, September 1, October 1 and November 1.

Spring - Payment for the Spring semester is due in full on or before January 2. If enrolling in the payment plan, the payment plan due dates are as follows: December 2, January 2, February 2, March 2, April 2, and May 2.
Please note there is a $75 enrollment fee per semester for the payment plan.
Enrollment in the Payment Plan is available by logging in to your student account.

Loan Options

Parent (PLUS) Loan

A Parent (PLUS) Loan is a federal loan that is available to parents of dependent, undergraduate students. The PLUS loan is taken out for both the Fall and Spring semester and is in the parent’s name.

If you would like to apply for a Parent PLUS Loan, please visit www.studentaid.gov to complete an application. Please be advised, only one application may be submitted and changes cannot be made to an application after its submission. If you would like to make changes to the Parent (PLUS) Loan, please contact your Financial Aid Counselor.

A credit check is required for a Parent (PLUS) loan. You will receive notification of approval shortly after you submit the application. If the Parent (PLUS) Loan is not approved, the parent can

appeal the decision with the Direct Loan Program Center, or
obtain a creditworthy endorser (by completing an addendum online at www.studentaid.gov, or
the student can choose to take out an additional Federal Unsubsidized Loan up to $ 4,000 for the academic year.

Grad (PLUS) Loan

A Grad (PLUS) Loan is a federal loan that is available to graduate students. The Grad (PLUS) Loan is taken out for the entire academic year (Summer/Fall/Spring, if applicable).

If you would like to apply for a Grad (PLUS) Loan, please visit www.studentaid.gov to complete an application. Please be advised, only one application may be submitted and changes cannot be made to an application after its submission. If you would like to make changes to the Grad (PLUS) Loan, please contact your Financial Aid Counselor.

A credit check is required for a Grad (PLUS) loan. You will receive notification of approval shortly after you submit the application. If the Grad (PLUS) Loan is not approved, you have the option to appeal this decision with the Direct Loan Program Center or obtain a credit worthy endorser. If you chose the endorser option, they will need to complete an addendum online at www.studentaid.gov.

Private/Alternative Education Loan

An Alternative Education Loan is an education loan in the student’s name. It is not a guaranteed federal loan and must go through an approval process that usually requires a creditworthy co-signer. We encourage you to research various private loans. New York State provides a useful private loan comparison tool at www.utica.edu/loan-compare.

Once you have decided on a loan product you should apply directly through the lender. Borrowers will be required to submit several time-sensitive disclosures back to lenders as part of the loan process. It is important to carefully read all of the communication sent to you electronically or by mail from Utica University and your alternative loan lender. Like the (PLUS) Loan, the Private/Alternative Education Loan is taken out for the Fall and Spring semesters.

Serving Those Who Serve

Utica University was founded in 1946 as Utica College principally to serve veterans returning from the battlefields of World War II, and we are proud to continue our tradition of service to veterans and active military personnel.

For the most complete and updated information about Veterans Benefits, please visit:

Veterans at Utica

For more information on Financial Aid at Utica, visit:

Financial Aid Services

On December 2, 2019, changes occurred in how online credit card payments are processed.

All credit card payments made via the University’s web site are accompanied by processing fees charged by the card issuers. Up to now, Utica has not passed these fees along to students. However, as this type of payment has become more popular, the total cost of covering these fees is becoming unsustainable and could potentially impact the amount of resources available to support student learning initiatives, scholarships, and more.

As of Spring 2023, credit card transactions using the University’s online payment form incur a 2.85% processing fee for domestic card payments. The processing fee for international credit cards is 4.25%. The minimum service fee for card transactions over $20 and less than $106 will be $3.

Please note that these fees are charged by and returned directly to the credit card companies. The University does not retain any of these funds.

We understand the convenience of making online payments by credit card, and we support your ability to do so. This change will enable us to keep this option available to you and your family while helping to ensure that we can continue to fulfill our mission to provide you with the highest quality education at an affordable cost.

Note that there are no processing fees for paying online by ACH, mailing a check to the Center for Student Success, or paying by cash in person.

If you have any questions about this change, please contact finaid@utica.edu or (315) 792-3179.

Eligible educational institutions, such as Utica University, file Form 1098-T for each student they enroll and for whom a reportable transaction is made.

For more information about the 1098-T:

IRS Form 1098-T

Students can log onto bannerweb to view Form 1098-T online.

Log into bannerweb.utica.edu
Click on the squares in the top left and then the Banner menu item.
Ciick Student Services, then Student Account.
And click Tax Notification (1098-T).
Choose the tax year and a digital version of the tax form will be displayed.

General Questions

Q: How do I apply for aid?

Your first step is to fill out a Free Application for Federal Student Aid (FAFSA). Federal School Code: 002883 To save time it's best to gather necessary documents/information before you begin. For the upcoming school year, you are going to need records of income earned the year prior. You will need to refer to:

Social Security Number
Driver's license
W-2 Forms and other records of money earned
Your (and spouse's if you are married) Federal Income Tax Return from the previous year: 1040, 1040A, 1040EZ, 1040Telefile, etc.
Your parent's Federal Income Tax Return (if you are a dependent student)
Untaxed income records such as Social Security, Temporary Assistance to Needy Families, Welfare, Veterans Benefits Records
Your current and previous year bank statements
Your current and previous year business and investment mortgage information, business and farm records, stock, bond, other investment records
Your alien registration card if not a US citizen

You will also need to refer to specific codes for applications, including the federal school code 002883 for all students. The New York State TAP code for an undergraduate student is 1022. While filling out all forms, remember to read the fine print!

Q: What is a FAFSA?

FAFSA is the Free Application for Federal Student Aid.

Types of federal student aid include:

Federal Pell Grants
Federal Direct Student Loans
Federal Direct Parent PLUS Loans (Loans to Parents)
Campus-based Programs
- Supplemental Education Opportunity Grants (SEOG)
- Federal Work Study (FWS)

Utica University’s Federal School Code is 002883.

Q: Where can I complete a FAFSA?

Quickest, easiest method for completing your FAFSA is by applying online and finding tips at https://fafsa.gov

Q: When should I file my FAFSA?

New applicants should file their FAFSA before March 1.

Returning students must file a FAFSA before April 1.

Complete your FAFSA application at https://fafsa.gov

Q: After I file my FAFSA, what is the next step?

Once your FAFSA is processed by Federal Student Aid a copy is sent to Utica University.

You will also receive an electronic report called a FAFSA Submission Summary. Each family is different, so your FAFSA Submission Summary will be different than your classmates’ reports.

Notification that the FAFSA Submission Summary is available will go to the student’s email address that was reported on the FAFSA. (Be sure to check the SPAM folder too.)

Learn more at: https://studentaid.gov/apply-for-aid/fafsa/review-and-correct/fafsa-submission-summary

Q: Are there other forms I need to fill out?

If you live in New York State, you'll want to fill out a Tuition Assistance Program or TAP form. For undergraduate students the TAP code is 1022.

For application and more information: hesc.ny.gov

Also, the Higher Education Opportunity Program (HEOP) is available for New York State students. HEOP is intended for full-time students who have a family history of educational and economic disadvantage.

Learn more: Higher Education Opportunity Program

A similar program, Collegiate Science and Technology Program or C-STEP, is also available to disadvantage students who enroll in specific programs of study.

Learn more: Collegiate Science and Technology Program

Q: My FAFSA Submission Summary indicates I have been selected for verification. What does this mean?

The Department of Education randomly selects students to have their FAFSA information verified by the school.

If your FAFSA Submission Summary states you have been selected for verification, Utica University will notify the student via email to create/access their student portal at utica.studentforms.com to complete/upload required documents.

Learn more at: https://finaid.org/fafsa/verification/

Q: Do I have to reapply for financial aid every year?

Yes, you must file the FAFSA every year. A new FAFSA is available after January 1st. Learn more: www.fafsa.gov

Q: How can I check the status of my FAFSA application?

At any point during the processing period, go to www.fafsa.gov and use your PIN to check the status of your application or a correction that you made:

Click on "Start Here"
Enter your login information and PIN

Q: Are there special instructions for students with divorced parents?

Yes, if the student’s parents are divorced, separated, or never married and do not live together, the parent who provided more financial support during the last 12 months is the contributor and must provide their information. If both parents provided an exact equal amount of financial support or if they do not support you financially the parent with the greater income and assets is the contributor and must provide their information.

For more information, visit the https://studentaid.gov/apply-for-aid/fafsa/filling-out/parent-info.

Q: What about bankruptcy?

An entire section of Financial Aid is devoted to the topic of Bankruptcy and Financial Aid. It discusses both whether student loans can be discharged by bankruptcy, as well as the impact of a bankruptcy on eligibility for student aid.

For more information, visit: Bankruptcy and Financial Aid section at FinAid.org.

Utica University Financial Aid

Q: Does Utica University require the CSS profile?

No, we do not require the CSS Profile. At Utica University, we strive to keep the aid process as simple as possible. The only form you must file is the FAFSA. However, you may be asked to provide documentation of your income to Utica University if you are selected for verification.

Q: How is my eligibility for financial aid determined?

Determining a student’s eligibility for need-based financial aid is a complex process. The first step is completing the FAFSA form.

Many factors are considered. Some factors include income, family size, and assets. Once the FAFSA is processed a Student Aid Index (SAI) is reported to the schools the student listed on their FAFSA as well as their FAFSA Submission Summary. The SAI determines the maximum amount of need-based aid a college is allowed to offer a student.

Learn more at: https://studentaid.gov/help-center/answers/article/what-is-sai

Q: Besides Federal and State aid, is there any other aid available?

A variety of scholarships and grants are available at Utica University to assist students and their families with educational costs. Most recipients must be full-time matriculated undergraduate students. Students who wish to be considered for need-based scholarships must have completed all required financial aid forms. The University also provides grant funds annually to students on the basis of financial need and academic promise who are matriculated on a full-time basis. University scholarships are offered to full-time freshmen upon admission to the University. Awards are made on the basis of academic and personal achievements.

Utica University does offer academic achievement awards. Your eligibility for these awards is evaluated during your application process. Students will be evaluated according to their academic record (grade, rank in class, standardized tests, recommendations, community service, etc.) and personal achievements. Other than your admissions application, no further documentation is required to apply for these awards.

For more information contact the Center for Student Success at (315) 792-3179 or finaid@utica.edu. Aid may also be available for half time, transfer, international, continuing education, and graduate students.

Q: Does Utica University offer athletic scholarships?

No. Utica College is recognized by the National Collegiate Athletic Association (NCAA) as a Division III school and does not offer scholarships based upon participation in sports or athletic ability.

Q: Does Utica University have scholarships for international students?

A limited amount of financial aid is available for international students and is awarded on the basis of academic achievement.

Learn more: Financial Aid for International Students

Q: Will I get the same amount of financial aid every year?

Although not guaranteed, Utica Uniersity expects to continue to offer aid throughout the student's education, provided that the student continues to demonstrate need, applies by the deadlines, and meets the academic achievement standards required.

Q: Do I have to maintain a certain GPA to keep my financial aid?

All students are expected to meet academic standards in order to receive need-based aid after their first semester of enrollment. Those standards are outlined in the Utica University Undergraduate Catalog. Merit-based scholarships may require a higher GPA to maintain eligibility; however, you will be informed of the requirements when the scholarship is granted.

Q: Will my financial aid cover the entire cost of my education?

Utica University has a strong commitment to financial aid and we assist students to the best of our capability and resources. This commitment does not, however, guarantee that the entire cost of your education will be covered with financial aid. In order to make the best decision about college, we suggest that you review your financial aid package and compare it with the cost of attendance at Utica University. Any difference between the cost of attendance and financial aid will be the approximate amount of money you will be expected to contribute toward your education. This amount may be more than the SAI outlined on your FAFSA.

Learn more: Cost of Attendance

Q: How will outside scholarships affect my aid at Utica University?

Outside scholarships/grants/tuition waivers, etc. must be accounted for in the aid package. In the event a student is aided and we then receive notice of an outside scholarship, the package needs to be adjusted. We want you to benefit from the other assistance. In most cases, if adjustments are necessary, we will replace your loan and/or federal work study before replacing any grants or scholarships from Utica University.

Q: Will I be receiving a financial aid package?

Accepted students should expect to receive their financial aid package after March 30th.

Returning students can expect their financial aid package at the end of June.

Q: What payment options are available to me?

Utica University offers several options for direct payments, payment plans, and PLUS loans. For details, see the section above on this page, under the heading "Payment Options".

Q: What is a PLUS loan and who is responsible for paying it back?

A PLUS loan is a federal loan that is available to parents of undergraduate students and students pursuing a graduate or professional degree who are attending school. The Parent PLUS loan is in the parent's name and and cannot be transferred to the student's name. A Graduate and Professional PLUS loan is in the student's name.

For details, see the section above on this page, under the heading "Payment Options".

Q: What is an alternative loan?

Alternative loans are available from private lending institutions. A student can take out an alternative loan, but the interest rate is generally higher than the interest rate on federal loans. In most cases, the lending institution will require a co-signer.

For details, see the section above on this page, under the heading "Payment Options".

Q: What is an origination fee?

An origination fee is a fee paid to government or lender to compensate for administering the loan. This fee is charged usually when the loan is disbursed – take this into consideration when applying for the amount for loan. Origination fees can be up to 4% of the loan amount.

Refunds are processed once a credit balance appears on your student account.