Below are some of the most common questions Student Financial Services receives about billing and student accounts. If you have questions not listed here, call 413.662.5230 or email StudentAccounts@mcla.edu.
This FAQ section is specifically geared toward general billing questions. We also offer a general financial aid FAQ and a student loan FAQ.
For a detailed explanation of all our fees, check out our Explanation of Fees page. The Campus Support Fee is listed!
We bill by semester. Fall semester bills are emailed in early July and are due in
early August. Spring semester bills are emailed in mid-November and will be due in
mid-December. Payment arrangements must be in place by the due date for students to
remain registered for their coursework and to check into housing (if applicable.)
We accept cash (in-office), personal checks, and money orders. Students and authorized users may pay online with ACH, a credit card, or debit card. MasterCard, Visa, Discover and American Express are accepted.
Debit/credit card payments have a non-refundable 2.85% service charge, with a minimum fee of $3.00. Cash, personal checks, money orders, and online ACH payments are fee free.
Bills may also be satisfied by financial aid, alternative student loans, and the monthly
Students can access the online payment page in three ways:
Online payments can be in the form of a debit/credit card or via ACH. Debit/credit card payments have a non-refundable 2.85% service charge, with a minimum fee of $3.00. ACH payments are fee free.
Bills can get misplaced sometimes. You can always view your account online in real-time, but if needed, you may request a new bill/eBill by contacting the Student Accounts Office.
If you have accepted your financial aid award, it will show your accepted aid on your statement. However, if you accepted federal student loans and you are a first time borrower, you will need to complete online Entrance Counseling and a Master Promissory Note before those loans will show as a credit. You will receive instructions from Financial Aid if you have this requirement.
If you believe you have accepted aid but it is not listed on your bill, contact Financial
Aid at 413-662-5219 or FinAid@mcla.edu.
You can enroll in an interest-free monthly payment plan through Nelnet. For costs, schedules, or to enroll, visit MyCollegePaymentPlan.com/MCLA. There is an enrollment fee of $40 per semester. You can pay in 5, 4, or 3 installments in the fall semester and 4 or 3 installments for spring semester.
Students signed up for the payment plan have scheduled, automatic payments with fixed dates. All payments are processed directly through Nelnet.
There is no monthly payment plan for the summer semester.
If you received your bill and it has a negative balance, it means your financial aid exceeds your charges and you will be receiving a refund. Student e-refunds are issued after all the funds have been applied to the account. In the fall, this occurs typically in mid-October for undergraduate students. In the spring, this usually occurs by mid-March.
If your have negative balance and you are enrolled in the monthly payment plan, your payment plan will be adjusted.
If you are financial aid recipient who is not fully registered for the coursework
you indicated you would be enrolled in on the FAFSA, your Banner Self Service account
may show a negative balance incorrectly. (e.g. You indicated you would be full-time
on the FAFSA, but only are registered for 10 credit hours.) In such instances, your
eBill that you received should have the correct balance. If you will be staying at
the number of credits you are registered for, you must notify Student Financial Services
as your financial aid package will need to be recalculated. An adjusted bill will
be sent out.
There are a few reasons why your Banner Self Service account may not match your eBill.
In the upper left-hand corner of the eBill, you will see the bill date. If you are looking at the Banner after this date, you could have incurred an additional charge, such as a room change or a fine, that increased your balance. You may have also recently accepted financial aid that was not listed on your previous paper bill.
If you are a financial aid recipient who indicated that you would be registered full-time (12+ credit hours) and are not registered full-time, your Banner account may be incorrect. You should contact Student Financial Services to discuss your account. In these cases, the eBill is manually created and reflects the number of credits your financial aid is based on. This also applies to students who indicate that they will be 3/4 or 1/2 time, but are not registered for their indicated coursework.
As a general rule, if you're unsure why your account has a mismatch, you should contact
Student Accounts. We will gladly go over the account with you!
MCLA has partnered with BankMobile (BMTX) to offer student e-refunds. New students are sent an activation code from BankMobile to set up an account at RefundSelection.com. Students can choose to have their refund deposited into an existing bank account or may elect to open a BankMobile Vibe Checking account.
You may be eligible for a book advance if your financial aid exceeds the amount of your charges and you have a credit on your account. If you have a credit, you read more about the book advance process and how to request one here. Book advance requests are fulfilled during the add/drop period by appointment only.
If your financial aid does not exceed the amount of your bill, you would not be eligible
for a book advance.
Upon admission to the College, students living on campus enter a three-year residency requirement. This residency requirement determines the meal plan eligibility.
For the 2022-2023 academic year, new resident students are automatically assigned the Appalachian Meal Plan. The cost per semester is $3,016.00. This all-access plan lets students enter the Centennial Room as much as they want and enjoy "all-you-care-to-eat" meals . The plan also includes 350 DB which can be used at the P.O.D., Subway, and other on-campus dining locations. Students in their second and third years of their residency requirement are also automatically assigned this plan.
Students assigned the Appalachian Meal Plan may elect to reduce to the Berkshire Meal Plan. The cost per semester is $2,816.00. This plan is also all-access and includes 100 DB. For more information on how to change, email StudentAccounts@mcla.edu.
Students who have completed their residency requirement who choose to to live on campus
will be automatically assigned the Greylock Meal Plan, but have further options to
decrease. For more information on available options, email StudentAccounts@mcla.edu.
No. Your meal plan will automatically be put on your student ID card and will be ready
when you move on campus. However, if you are having issues with your card, bring your
card to Student Accounts and we will troubleshoot.
Meal plans are required for all on-campus students, regardless of their choice of dormitory. The availability of plan options is based on their residency requirement.
If there is a medical need/concern and you would like to inquire about the process
of a medical meal plan, please email StudentAccounts@mcla.edu for more information. Medical meal plans must be renewed each academic year.
If you have a dietary restriction or medical reason for not being able to utilize
the dining facilities on campus, please email StudentAccounts@mcla.edu for information about the Medical Meal Plan process.
Visit the University Health Plans website and click "Waiver Form" to submit your policy information. You will need
to complete a waiver each academic year, even if your insurance information does not
We do not send you a revised statement when we receive your health insurance waiver. You can
deduct if off of the bottom line balance. The health insurance waiver usually shows
on your online account within 48 business hours. However, if you need a revised statement, you can call
or email StudentAccounts@mcla.edu to request one.
If you try to waive the insurance but the website is telling you that you're ineligible to waive, it's could be related to how you're answering the questions. Go back to the waiver and carefully read the questions. Feel free to contact Student Accounts if you need clarification on some of the questions, but we recommend reaching out to your health insurance provider if you aren't sure how to answer them.
If it won't let you waive based on your responses after speaking with your health
insurance provider, your health insurance does not meet the requirements of the Commonwealth
of Massachusetts. In this case, you will have to enroll in the student health insurance
If you aren't sure what the questions are asking, you can contact Student Accounts
for clarification. However, if you aren't sure what your health insurance plan covers,
you should contact your insurance company and go over the questions together when
completing the waiver.
If your coverage through MassHealth is in good standing and not a limited MassHealth
plan, you can waive the insurance charge. Visit the University Health Plans website and click "Waiver Form" to submit your policy information.
If you don't have health insurance or health insurance that meets the waiver guidelines, you will need to enroll in the student health insurance program. This is a requirement of the Commonwealth of Massachusetts. Visit the University Health Plans website and click "Enrollment Form" and then complete the enrollment form.
Once you enroll and your enrollment is processed, you will be covered by the Blue
Cross Blue Shield Student Blue Plan from August 1, 2022 through July 31, 2023. Completing
the enrollment in a timely manner ensures that your coverage is activated and a card
is sent out to you.
If you are an undergraduate who is taking 9+ credit hours or a graduate student taking
7+ credit hours, the charge for insurance will show on your bill. If you are taking
less than those credit hours, you are not eligible for the student health insurance
program and not required to make a decision. In this case, the charge does not show
up on your bill.
If you were just registered for coursework less than a day ago, it can sometimes take
up to 48 business hours before you can go online to waive or enroll in the student
health insurance. You might get an error saying that you're not in the system - just
try again the next business day. If you still can't waive at that point, contact Student
If you aren't sure what the questions are asking, you can contact Student Financial
Services for clarification. However, if you aren't sure what your health insurance
plan covers, you should contact your insurance company and go over the questions together
when completing the waiver.
The Health Services Office requires certain medical records and documentation from
new students, such an immunization records. This documentation is separate from the
health insurance decision required by Student Accounts.
Even if your insurance coverage has not changed from last year, every student who
meets the credit threshold for insurance is required to waive/enroll every year. This
is a requirement of the Commonwealth of Massachusetts.
Our bank will automatically redeposit your payment and if it is returned a second time, a $25 returned check fee will be added to the student's account.
In instances of multiple returned payments, your replacement payment may be required
to be in the form of a bank check or money order.
Students are responsible for maintaining their permanent address on record with MCLA through the Office of Student Records.
We take privacy very seriously in Student Financial Services. Due to the Family Education Rights and Privacy Act (FERPA) regulations, we must have written permission from you if you want us to release information on your record to anyone besides you. We need written permission even if your family will be calling on your behalf.
You may fill out a FERPA release of information form electronically, or visit Student Accounts/Financial Aid to request a paper form. Only those you
list on the FERPA form will be allowed to request information and you may rescind
that authorization at any time. This FERPA release of information only extends to
Student Financial Services.
Your tuition rate is determined by your residency at the time of admission.
In-State Residency Appeals: Students who are deemed out-of-state but have become permanent Massachusetts residents
for at least twelve consecutive months prior to the first day of classes are eligible to appeal their tuition rate. Documentation
showing Massachusetts residency from twelve months prior is required, as well as a
copy of your (and your parent's if dependent) federal and Massachusetts tax returns. For dependent students, residency is based
off of their parent's residency. Living on-campus in the dorms does not count towards
permanent residency. For more information or the form, contact Student Financial Services
Student Financial Services is located in Eldridge Hall and staffed Monday through
Friday from 8:30 a.m. until 4:45 p.m. The office may be reached at 413-662-5230 and
our fax number is 413-662-5105. You may email the office at firstname.lastname@example.org.