Billing Information
Billing & Due Date Information
Manage your student account with confidence. Explore billing details, payment options, enrollment deposits, tuition insurance, loan repayment, and emergency financial support—all in one place to help you stay informed and on track.
Billing Methods
The official billing method of the University is email. Billing emails will be sent to the student’s Ģý email address with the bill attached. Students who will not be paying the bill themselves are responsible for forwarding the bill to the appropriate party. Students who have a $0 balance or a credit to their account will not receive an emailed bill.
ճ provides a sample bill.
Third Party Billing for Student Accounts
The Student Accounts Specialists manage third party billings and collections including Vocational Rehabilitation, Veterans Benefits, third party financial aid billings and the collection of outstanding balances, as well as any scholarship or grant billings and questions. Any questions should be directed to the main Student Accounts email, studentaccounts@unca.edu or by calling 828.251.6664.
Be advised, while a Third Party may have agreed with the student to provide payments for the student’s charges, the student is responsible for any charges not paid by the third party. If payment from the Third Party is not received Ģý will look to the student for payment and the student’s account will subject to all standard holds and collection processes for non-payment.
Set Up a Payment Plan
Set Up a Payment Plan
Spread your semester balance across installments to avoid a lump-sum payment.
New Students
New Students
Enrollment Deposit
Congratulations on your acceptance to Ģý! Confirm your enrollment and pay your deposit through your admission student portal. Deposits may be submitted by credit card or ACH. Enrollment deposits are non-refundable.
GradGuard Tuition Insurance
GradGuard’s Tuition Insurance Plan can protect your investment in higher education. Ģý has recently partnered with GradGuard to offer plans at special rates. The Tuition Insurance Plan can provide reimbursement for a complete medical withdrawal at any point in the covered term due to a covered illness, injury, or other covered reason, including mental health conditions. Learn more or by calling 877-794-6603.
For a small fraction of your overall tuition costs, Tuition Insurance can protect up to 100% of your family’s education investment should a student withdraw for a covered medical reason as advised by a licensed medical professional for the covered term. Tuition Insurance can cover:
- Serious injury or illness
- Mental health conditions
- Chronic illness
GradGuard can make transportation arrangements if the insured student is seriously ill or injured during the term and needs to be moved to a different facility or is ready to go home after treatment. If the insured student can’t drive home because they are sick or injured, they’ll arrange to have the insured student’s car driven back to their U.S. place of residence by an accredited, professional transport company.To enroll in GradGuard, log into your ePayment within OnePort to purchase tuition insurance up to 10 days after classes begin each semester.
Repaying Student Loans
Federal Loan Repayment
All students receive exit counseling when they graduate or attend school less than half-time. The exit counseling provides information on your loans and when repayment begins.
When you graduate or withdraw you will have six months before your first payment is due. This is called a grace period. PLUS Loans do not have a grace period. This time allows you to get financially settled, select your repayment plan and determine the amount of income you need to put toward your student loan each month.
There are flexible repayment options to help students manage this important financial responsibility. Contact your loan provider to discuss specific options.
ճ is the U.S. Department of Education’s central database for student aid. NSLDS receives data from schools, guaranty agencies, the Direct/FFELP Loan program, and other Department of Education programs. Also login to .
NSLDS Student Access provides a centralized, integrated view of all loans and grants so that students can access and inquire about their loans and/or grant data.
Direct Lending Loan Calculators can be found online at . For more information on repaying your student loans, please visit .
A deferment is a period in which repayment of the principal balance is postponed. During a deferment, if the loan is subsidized, the government pays the interest charged. For unsubsidized, PLUS, unsubsidized consolidation, and PLUS consolidation loans in deferment, you are responsible for the interest that accrues during the deferment period. If you have unsubsidized loans, when you re-enter repayment at the end of the deferment period, any unpaid interest capitalizes (is added to the principal balance).
For complete information on deferment of your loan, contact your lender(s). If you are not eligible for a deferment you may still be eligible for a forbearance.
A forbearance is an arrangement to postpone or reduce your monthly payment amount for a limited and specific period during which you are charged interest. If you indicate a temporary inability, but willingness to pay the loan(s), you may ask for or be offered a forbearance. Interest that accrues during a forbearance is the responsibility of the borrower. When you re-enter repayment at the end of the forbearance period, any unpaid interest capitalizes (is added to the principal balance).
For complete information on the forbearance of your loan, contact your lender(s). If you are not eligible for a forbearance you may still be eligible for a deferment.
has more information on repaying your student loans. We are also more than happy to discuss your options here in the office. Feel free to contact us.
Emergency Loans
Leonard S. Levitch Student Emergency Loans are interest-free, short-term loans. The purpose of the loan is to finance emergency expenses for currently enrolled Ģý students for which resources are temporarily not available. A loan may be approved in the event an emergency has occurred to prevent students from having funds available for living expenses, such as food, rent, books, childcare, etc. Emergency loans cannot be approved to pay University charges, such as tuition and fees, since this is a planned expense.
The Emergency Loan funds are financed by the Leonard S. Levitch Student Loan Fund and must be repaid by the due date, generally 30 days from disbursement. In no case will the repayment date be approved beyond the first day of the last month of the semester in which the loan is borrowed (i.e., not after December 1st or May 1st).
The University will attempt to deduct your emergency loan repayment from any future financial aid you may be expecting, but it is not guaranteed. It is the borrower’s responsibility to repay the emergency loan by the due date. Failure to repay will result in a “hold” being placed on your academic records preventing you from registering for future classes and will prevent the release of your transcript and other records until you have repaid the loan.
- You are a currently enrolled graduate or undergraduate student at Ģý during the semester the funds are requested.
- You must be available to sign documents in person at the Student Accounts office.
- You are not within 30 days of graduation or the end of the academic year.
- You do not owe a prior-year debt to the University.
- You have not failed to pay, made late payments, or been referred to a collection agency on a prior emergency loan.
- You do not have any holds on your account.
- Tuition and fees must be paid in full before applying.
- You do not have any outstanding emergency loans in repayment.
- Students that currently have a balance due on their student account greater than $100 are not eligible.
and submit it to the Director of Student Accounts located in the Cashier Office (#003 Ramsey Library).
- Student Emergency Loan Application must be completed in full. Incomplete applications will not be processed.
- Three separate references must be provided. One parent (or close relative) and two non-student references. Failure to provide complete addresses and active telephone numbers for each will consider the application incomplete.
- The specific reason for needing the emergency loan (including any supporting documentation) must be clearly stated.
- Provide the specific dollar amount needed (maximum $500). Please keep in mind that you are requesting money that you need for short-term purposes.
- Indicate the specific source(s) of repayment. If employed, provide employer’s name, weekly earning and when you receive your paycheck.
- Notification of your application status & check disbursement will be sent to your Ģý email account.
- Emergency Loan promissory notes are to be signed, checks are to be picked up and loans are to be repaid in the Student Accounts office.
- Loans will be cancelled if the promissory note is not signed and the check is not picked up within ten business days.