Frequently asked questions about the tuition payment plan

Do you have questions about paying for school? A tuition payment plan administered by Higher One may be just what you need!

About Payment Plans

Enrolling in a Payment Plan

Making Payments

Managing Your Account

About Payment Plans

Is a payment plan a loan?

A tuition payment plan is an installment option offered by your school and administered by Higher One. The plan takes your school bill and splits it into smaller amounts, payable over a number of months.

Is there an "APR" or fees associated with a Tuition Payment Plan?

A nonrefundable enrollment fee is charged at enrollment. Other fees may be charged if a monthly payment is not made by the due date or if a payment is returned for insufficient funds.

There will be an annual percentage rate (APR) for your payment plan that is based on your payment plan amount and enrollment fee. For example, if your enrollment fee is $35 and plan amount is $2,000 then the APR for your payment plan will be 3.855%

Can international students use the tuition payment plan?

International students can use the tuition payment plan. However, to enroll, you must obtain your school-assigned identification number from your school. Please note that all tuition payments must be made in U.S. dollars from a U.S. bank.

Who do I call with questions?

Call 800-635-0120 to speak with a Higher One specialist Monday through Friday, from 8am to 9pm EST.

Who can call with questions or payment information?

We can only speak with the bill payer and any authorized caller that the bill payer has specified on the account. You can add an authorized caller during enrollment or in your profile on Manage Your Account.

Enrolling in a Payment Plan

What does "Your school has special requirements" mean?

Schools occasionally create special requirements for plan enrollment that may prevent you from enrolling in a tuition payment plan at a given time.

What if I do not see a payment plan listed for the semester I am attending?

The payment plan you're looking to enroll in is not currently available at this time.

If my school offers more than one payment plan, which one do I choose?

Carefully read the plan name to determine which plan is best for you. For example, if you have the option to enroll in a 3-Pay Summer MBA Plan, a 5-Pay Fall Plan and a 10-Pay Annual Plan and are enrolled in the fall semester only, you should select the 5-Pay Fall Plan. If you are an MBA student enrolled in a summer program, select the 3-pay Summer MBA Plan. If you are enrolled in the full academic year or plan to pay the cost of the academic year through the payment plan, select the 10-Pay Annual Plan

What is the "plan amount"?

The plan amount is the total amount you want to pay to the school using the Tuition Payment Plan. You can include all or any portion of the amount billed to you by the school for most educational expenses. Personal expenses, books, and travel costs are not usually included in the plan amount. Your plan amount should cover your entire enrollment period (semester or annual). Once you have determined how much you want to pay, the plan amount will be divided by the number of months in your selected plan to calculate your monthly payment.

What is an Authorized Caller?

This is a caller that has been authorized by the bill payer, to speak with us regarding your account. This person can call in to make payments or obtain basic plan information such as your balance, monthly payment amount, due date, etc. The authorized caller cannot increase or decrease your plan amount and cannot sign disclosures on your behalf. If you do not specify an authorized caller, we can only provide account and payment information to the bill payer.

What is the "amount due today"?

When you enroll in the payment plan, you are required to pay a non-refundable application fee to use the plan and, for some plans, you are also required to make an initial tuition payment in order to open the account. The amount due today is the total amount of the enrollment fee, the required initial payment and any other charges that may be required to activate your account.

What should I do if I cannot see the PDF validation?

If you cannot view the PDF validation, check to make sure you are using the latest version of Adobe Reader. You can download the most current version of Adobe Reader at

Can I enroll in a monthly plan if I do not accept or sign each agreement?

No. You are required to accept and/or sign all agreements in order to complete your enrollment. The disclosures are provided to ensure that you understand terms and conditions associated with a tuition payment plan.

Making Payments

How do I make a payment?

Make tuition payment plan payments online through Manage Your Account at via electronic debit from your checking or savings account, and by credit card (if permitted by school).

If you cannot make a payment electronically, you can mail a check, but be sure to mail your payments at least 15 days prior to your due date to avoid a late fee. For your check to be successfully applied to your account, you must:

  • Make your check payable to Higher One.
  • Make your check out for U.S. dollars only
  • Write your tuition payment plan account number in the memo line on your check in the memo line - if you are making a payment for two students, include both account numbers on your check

Mail your check to:

  • Higher One, P.O. Box 11954, Newark, NJ 07101-4954 (for NYU students)
  • Higher One, P.O. Box 11953, Newark, NJ 07101-4953 (for all other students)

A fee may be charged if a check is not honored by your bank.

International students who need to make payments from a foreign bank can submit payments by wire transfer in US dollars. Use the following information to complete the wire transfer:

Send Wire To:

Bank of America
111 Westminster St.
Providence, RI 02903

ABA Routing Number:


Beneficiary Account Number:




Beneficiary Account Name:

Higher One Inc., CPS - TuitionPay Account

Further Message Field:

Student's Social Security Number or Tuition Payment Plan Account Number, Student's Name (last, first), School Name, Bill Payer's Name (last, first)


How long does it take to post a payment to my account?

All payments are posted to your payment plan account as soon as they are received. Payments typically clear, or are paid by your bank or credit card company within 24 to 72 hours.

What types of bank accounts can be used to make one-time and automatic electronic payments?

Most banks allow electronic debit from a checking or a non-passbook savings account. If you are uncertain about whether your account is eligible for electronic payments, we strongly suggest that you contact your financial institution. If you provide an account that cannot be accessed for one-time and automatic electronic debit, your payment will be delayed and a returned payment fee and late fee may be incurred.

The following accounts are generally eligible:

  • Personal checking accounts
  • Business checking accounts
  • Statement savings
  • Money market checking accounts

The following accounts are not eligible:

  • Passbook savings
  • Home equity checking
  • Line of credit checking
  • Money market savings
  • Brokerage checking accounts
  • 529 College Savings Plan accounts
  • Cash management checking

How do I set up automatic payments?

You can enroll in automatic payment during your payment plan enrollment, after you have accepted all disclosures and agreements and have made your initial payment. You can also enroll by logging into Manage Your Account, selecting Set Up Automatic Payments and completing the short enrollment steps.

How soon after enrolling in automatic payments will my first automatic payment take place?

As soon as you complete the automatic payment enrollment, either during your payment plan enrollment or in Manage Your Account, we will prepare your bank account for automatic electronic debits. Automatic payments will begin with the next scheduled payment due date.

Can I have more than one checking or savings account associated with my tuition payment plan's automatic electronic debit payments?

Only one checking or savings account may be associated to your tuition payment plan for automatic electronic debit.

How do I change my automatic payment information?

You can make changes to your automatic payment information by logging into Manage Your Account at, selecting the Payment Information Tab and modifying the automatic payment information.

How does my school receive my payments?

Payments from all payment plan participants are forwarded to your school based on a pre-determined schedule.

Managing Your Account

How do I create a user name and password?

During the online enrollment process, you will create your username and password required to manage your account online. If you have already enrolled, but do not have a username and password, visit, and select the create your login link.

How do I update my password?

To update you password, simply log in to Manage Your Account at, select the My Profile Tab, scroll down to the Login Information section and update your password.

What do I do if I forgot my password?

If you forget your password, visit, and instead of logging in, select "Forgot Your Password?". Then enter your user name, answer your secret question and select "Reset Password". A link will be emailed to you to allow you to create a new password.

How do I unlock my account?

If you find that your account is locked, please call a Higher One specialist at 800-635-0120, Monday through Friday, 8am to 9pm EST

How do I change my plan amount?

To change your plan amount, log into "Manage Your Account" at, and select the "Contract Change" tab. If your school allows changes to be made to your plan, you will be able to enter a new plan amount in the Plan Amount Detail section. Decreases in your plan amount take effect without further action. Increases in your plan amount require that you view and sign new agreements and make any payment needed to activate the new plan amount.

What is Manage Your Account?

Manage Your Account allows you to view your account status, payment history and online statements, make payments, schedule future one-time and automatic payments, renew your account, and adjust your plan amount (if allowed by the school).

How do I renew my payment plan?

Simply visit, enter your user name and password and select "renew" (if available) to complete your renewal.

If you don't have a username and password set up, visit, select Manage Your Account, and follow the link to create your log in information. From there you can log in and select the renew link to complete your renewal.

What is an electronic statement?

An electronic statement looks just like a paper statement, but you receive it quicker and save paper and postage by viewing it online.

You will receive monthly statement notifications by email at the email address you provided during enrollment. To ensure delivery of tuition payment plan emails to your inbox, please add to your Email Address Book or Safe List.