Adult Education Students

Payment Information

Payment of tuition is due prior to the first day of classes.

MyRecords

You may view your University charges and credits online at MyRecords. After you login, from the Main Menu select "My Student Bill" to view and pay your account.

Payments made by your employer or other sponsor:

If your bill is being paid by your employer or an outside agency that requires University billing, please provide documentation indicating address and authorized amount to be billed and return this documentation with the remittance portion of your bill by the due date. In addition, you must complete and mail the Tuition Assistance Form. If your sponsor is not paying all of your charges, you are responsible for payment of the difference by the due date. If payment is not received for your share of the charges by the due date, a late penalty will be assessed. Click here to view and print form.

Financial Aid and Scholarship Recipients:

If your financial aid and/or scholarship(s) do not cover your semester charges it is your responsibility to seek payment options for the amount of tuition remaining. Alternative loans are available and a Payment Plan is also available with a semester or annual set-up fee. If you have submitted your Federal Aid application (FAFSA) and your Concordia Financial Aid application please contact Debbie Greenlee at 949-214-3069 for information on your Financial Aid eligibility. You may be responsible for full or partial class payment depending on your aid package.

Federal Stafford Loans:

A Loan Entrance Interview and Master Promissory Note must be completed in order for your loan to disburse. For further questions, please contact our financial aid office at 949-214-3066.

Your Student Bill:

Your student bill is generated and mailed once you register for classes. You may also view your semester charges through Banner Web. Payments MUST be received by the due date, whether you receive a Student Bill or not. You may choose to pay for each class at a time; however, a financial hold will be placed on your account until your semester tuition is paid in full. It is the sole responsibility of the student to adhere to payment deadlines of his/her tuition. If you make changes resulting in increased costs (after the payment deadline), you are required to make full payment of the difference when the changes are made. Tuition fees are assessed when the student registers.

Student Refunds:

Proceeds originating from student aid in excess of your account charges may be requested. Please contact the Bursar's Office for refund information. All financial aid requirements and documentation must be completed and approved before your refund is disbursed. For further information, call (949) 214-3073 or email us at bursar@cui.edu.

Refunds Due to Dropped Courses or Withdrawal:

Students withdrawing from the University or dropping courses within the refund period may be eligible for a tuition refund in accordance with the University's fee schedule and refund procedures. Concordia University's tuition refund policy is determined by a daily percentage, starting with the first day of instruction, until 60 percent or greater point in the class is reached. The student is responsible for paying any outstanding charges to the University. It is the sole responsibility of the student to officially drop classes through the Registrar's Office, for further information call 949-214-3079.

Tuition and Financial Aid

Let us help you find the answers. Our financial aid counselors will be happy to meet with you to evaluate your specific situation and discuss financial aid opportunities and strategies to obtain your B.A. degree. Concordia is well known for its individualized attention. We are here to help!

How to Apply for Financial Aid

Spring 2016

Fall 2016 and Spring 2017

  • Create an FSA ID at fsaid.ed.gov (students may link their old PIN to their new FSA ID log in).
  • Complete the 2016-2017 Financial Aid Application
  • Complete the 2016-2017 FAFSA or, for continuing students, the Renewal FAFSA online at www.fafsa.gov
  • Use school code 013885
  • Use the FAFSA ON THE WEB WORKSHEET as a guide before completing your information online
  • California Residents Only, complete the CSAC GPA Verification Form (current recipients of a Cal Grant A or Cal Grant B do not need to complete this form. First time Transfer students need to complete the G-6 form to change schools, school code 020705). Must also submit 2015-2016 FAFSA no later than March 2.

Financial Aid Eligibility:

  • Students are eligible for the Federal Direct Stafford loans:
    • Freshmen are eligible for up to $5500 an academic year for dependent students and $9500 an academic year for independent students.
    • Sophomores are eligible for up to $6500 an academic year for dependent students and $10,500 an academic year for independent students.
    • Juniors and Seniors are eligible for up to $7500 an academic year for dependent students and $12,500 an academic year for independent students.
  • Students who have a low EFC (based on FAFSA calculations) may be eligible for Pell Grants.
  • Students who graduated from a California high school, applied by March 2nd, and were approved may receive the Cal Grant.

Awarding of Financial Aid and Electronic Award Notification

Once your financial aid package is completed, an Electronic Award notification will be sent to your Eagles email account. To review your award, you must log in to MyRecords using your Student ID number and your MyRecords login PIN*. Once you log in click on My Financial Aid, then My Overall Financial Aid Status then select the applicable academic year. Click on the highlighted Awarded, and then click on the tab Accept Award Offer. Your award will indicate the types and amounts of aid you are eligible to receive. Review your award carefully, click on what you accept and/or decline, then submit. If you are a first time Federal Direct Stafford Loan borrower at CUI, you will need to complete Online Entrance Counseling and electronically sign the Promissory Note. To learn more about Federal Direct Stafford Loans visit studentaid.ed.gov/types/loans, and information is also provided in your MyRecords account under Special Messages.

*Your temporary PIN is your birthday (MMDDYY). You will be prompted to change your PIN and enter a security question and answer. Your PIN must be exactly 6 characters and may contain both letters and numbers.

Deadline

Although there is no specific deadline for Online Bachelor's Degree students, students should apply no later than 30 days prior to the end of the semester.

Debt Management

The page designed by Financial Aid to serve your post education debt management needs.
Stay Informed | Stay Current | Stay Default Free

News | Tips | Debt Management Strategies
  • How to Start Paying Off Student Loans (Kick-off your payments with honesty and responsibility) – USA News – story here.
  • Buried in Student Loans? Here’s how to pay them off – CBS News – article here.
  • Tips To Help You Avoid Default (Violating your loan agreement can have severe consequences) - AIE – article here.
  • Do Not Ignore Notices from the Lender! Dealing with Student Loan Default and Delinquency – AllTuition – article here.
  • Learn about how, when and to whom you make your Federal student loan payments – U.S. Dept. of Education – info page here.
  • Repayment: What to Expect – U.S. Dept. of Education (YouTube) – video here.
  • How To Manage Loans (YouTube) – video here.
Exit Counseling

Loan exit counseling is an online tutorial created and required by the Department of Education. Exit Counseling offers separating students tips and useful information to help them manage their loans and understand their rights and responsibilities. Topics covered include: Loan repayment options, deferment, forbearance, delinquency and default, loan consolidation and loan forgiveness programs. Additional financial resource materials and links are also provided to support responsible debt management practices.

  • Get Started

    Go to: www.studentloans.gov
    To get started, click "Sign In" under "Manage My Direct Loan" (your FAFSA PIN is required).  Choose the "Complete Counseling" option and then click START under EXIT COUNSELING.

  • If you can’t remember your PIN

    Go to: www.pin.ed.gov. Click “Request a Duplicate PIN” located on the left side. Enter the requested identifying information and click “Submit Request.” Answer challenge question and click “Submit Request.” Select “Display Now,” and click “Submit Request.” PIN will appear on the screen.

Know What You Owe

The Department of Education has created a database for students to manage their Federal education loans. This site is called NSLDS (National Student Loan Data System). URL: www.nslds.ed.gov. Click “Financial Aid Review.” Access requires the student’s 4-digit FAFSA PIN. Included in the database are all Federal student loans received from any post-secondary institution attended. NSLDS does not include any Private | Alternative loans taken to supplement the cost of education. Parent PLUS loan data is also included in the NSLDS database and will be found under the parent’s name using the parent’s FAFSA PIN.

Making Payments [Who Do I Pay?]

Federal Loans

Stafford and PLUS loan payments are always made to your loan servicer (not to the university you attended). To find out who is servicing your loans click here.

Private Loans

Private | Alternative loan payments are remitted to the lender you originated the loan with. If you have taken out loans with multiple lenders you will have to make separate payments to each (unless you consolidate them). Additionally, there is no central database that tracks all of your private loans in the same way that NSLDS exists for Federal student loans. To know who to pay you will need to rely on the paperwork you received when you applied for the loan OR contact the school’s Financial Aid Office for possible verification. Also check your mail and email as your lender will likely be trying to make contact with you. DO NOT ignore your lender as doing so will lead to delinquency and a certain negative impact to your credit.

Finding the Repayment Plan for You

Federal Loans

Standard
Breaks down your loan balance into monthly payments of at least $50 for up to 10 years. In general, this is the plan that will cost you the least amount of money in interest payments. For complete information, click here.

Graduated
If your income is low now, but you expect it to increase steadily over time, this plan may be right for you. Payments start out low and increase every 2 years for up to 10 years. IMPORTANT NOTE: Under Graduated you will pay more in interest over time than if you selected Standard Repayment. For complete information, click here.

Extended
Extended allows you to “extend” the repayment period from 10 years to up to 25 years. IMPORTANT NOTE: Under Extended you will pay more in interest over time than if you selected Standard Repayment. This plan works best for borrowers whose loan burden is too large to bear the standard monthly payments over the course of just 10 years. For complete information, click here.

Income-Based (IBR)
Income-Based Repayment (IBR) is designed to reduce monthly payments to assist with making your student loan debt manageable. If you need to make lower monthly payments, this plan may be for you. To qualify for IBR, you must have a partial financial hardship. You have a partial financial hardship if the monthly amount you would be required to pay on your IBR-eligible federal student loans under a 10-year Standard Repayment Plan is higher than the monthly amount you would be required to repay under IBR. Your payment amount may increase or decrease each year based on your income and family size. Once you've initially qualified for IBR, you may continue to make payments under the plan even if you later no longer have a partial financial hardship. IMPORTANT NOTE: Under Income Based (IBR) you will pay more in interest over time than if you selected Standard Repayment. For complete information, click here.

Pay As You Earn
The Pay As You Earn Repayment Plan helps keep your monthly student loan payments affordable, and usually has the lowest monthly payment amount of the repayment plans that are based on your income. IMPORTANT NOTE: Under Pay As You Earn you will pay more in interest over time than if you selected Standard Repayment. For complete information, click here.

Income-Contingent (ICR)
Income-Contingent Repayment (ICR) takes into consideration annual income and family size as well as the total loan amounts. If a loan balance remains after 25 years, it may be forgiven. Unlike the IBR Plan, borrowers need not be facing financial hardship to qualify. This plan may be best for those borrowers who are not facing demonstrated financial hardship, but whose financial situation is insufficient to bear the monthly payments under other repayment plans. IMPORTANT NOTE: Under Income-Contingent (ICR) you will pay more in interest over time than if you selected Standard Repayment. For complete information, click here.

Income-Sensitive (FFEL Loans ONLY)
Income-Sensitive allows borrowers to pay a monthly amount that takes annual income into consideration. The length of the repayment period is up to 10 years and the balance is not forgiven at the end. IMPORTANT NOTE: Under Income-Sensitive you will pay more in interest over time than if you selected Standard Repayment. For complete information, click here.

Private | Alternative Loans

Most lenders do not offer repayment options. Repayment terms are typically determined at the time the loan is originated (ex: 5, 10, 15 years). If you are not sure what the repayment terms are for the loan(s) you have outstanding, contact the lender immediately.

Calculate Your Payment

Federal Loans

Quickly calculate estimated monthly payment amounts under several repayment plans.

Private | Alternative Loans

Most lenders do not offer repayment options. Repayment terms are typically determined at the time the loan is originated (ex: 5, 10, 15 years). If you are not sure what the repayment terms are for the loan(s) you have outstanding, contact the lender immediately.

Loan Consolidation

Federal Loans

Loan consolidation can greatly simplify repayment by centralizing your loans into one bill and can lower monthly payments by giving you up to 30 years to repay. Consolidating your loans does have its RISKS along with its BENEFITS. Before you submit your application make sure you take the time to study the pros and cons. For program details and to start an application, click here.

Private | Alternative Loans

Private Student Loans cannot be consolidated with Federal Student Loans however Private Student Loans may be consolidated into one new Private Student Loan. As with Federal Consolidation, the benefits include converting multiple payments into one single payment and potentially lowering your monthly outgo as a result of the loan term being reset. Depending on your credit, income, outstanding debt and market rates you may be able to attain a lower interest rate then the average of your current private loans. Before you decide for sure to consolidate your private student loans take the necessary time to shop, compare offers, know whether the rate is FIXED or VARIABLE and consider the RISKS and BENEFITS.

Lender List: click here.

Understanding Default

Understand how missing a loan payment can be a problem, what default means and the consequences of default. See what the Department of Education says here.

Loan Deferment | Forbearance

A deferment or forbearance allows you to temporarily postpone making your student loan payments or to temporarily reduce the amount you pay.

Federal Loans

For complete information, click here.

Private | Alternative Loans

Deferment or Forbearance opportunities vary from lender to lender. If you are having trouble making your monthly private student loan payments, contact your lender immediately and inquire if a deferment or forbearance is an option for you. DO NOT ignore your lender if they are trying to reach you. Be upfront with them about your situation so they can best assess what options you may be eligible for that can help you.

Loan Forgiveness

Teacher Loan Forgiveness

The Teacher Loan Forgiveness Program is intended to encourage individuals to enter and continue in the teaching profession. Under this program, if you teach full-time for five complete and consecutive academic years in certain elementary and secondary schools and educational service agencies that serve low-income families, and meet other qualifications, you may be eligible for forgiveness of up to a combined total of $17,500.

To learn more, determine if you are eligible and apply click here.

Public Service Loan Forgiveness

If you are employed in certain public service jobs and have made 120 payments on your Direct Loans (after Oct. 1, 2007), the remaining balance that you owe may be forgiven. Only payments made under certain repayment plans may be counted toward the required 120 payments. You must not be in default on the loans that are forgiven.

To learn more, determine if you are eligible and apply click here.

  • Public Service Loan Forgiveness - FedLoan Servicing (YouTube) – video here.

Total and Permanent Disability Discharge

You may be eligible for a Total and Permanent Disability (TPD) Discharge on your federal student loans if you are unable to engage in any substantial gainful activity because of a medically determinable physical or mental impairment that:

  • Can be expected to result in death,
  • has lasted for a continuous period of not less than 60 months, or
  • can be expected to last for a continuous period of not less than 60 months.

OR

If you are a veteran, you may be eligible for TPD Discharge if you’ve received a determination from the Department of Veteran Affairs (VA) that:

  • you have a service-connected disability or service-connected disabilities that are 100% disabling or
  • you are totally disabled based on an Individual Unemployability determination.

To learn more, determine if you are eligible and apply click here.

National Guard Student Loan Repayment Program (SLRP)

The National Guard values higher education and offers many types of assistance to help you stay on track while you serve. The Student Loan Repayment Program (SLRP) is available to Soldiers and officer candidates (09S) who have one or more qualifying and disbursed Title IV federal loan(s).

To learn more, determine if you are eligible and apply click here.

Forms

2016-2017

The forms below are available to be downloaded and printed on your home computer. To access them you will need the Adobe Acrobat Reader, a free plug-in available here.

All Students

2015-2016

The forms below are available to be downloaded and printed on your home computer. To access them you will need the Adobe Acrobat Reader, a free plug-in available here.

All Students