Bursar

Payment Options / Policies

Options

Tuition Payment Plan

The College manages an in-house installment payment plan to assist students and parents in paying their term bill. The Ramapo Tuition Payment Plan (RTPP) provides many advantages for students and parents.

Benefits

  • User friendly step by step online enrollment
  • Participants work directly with the College eliminating third-party involvement
  • Students can setup Authorized Users to view and pay their account without giving out their ID and PIN
  • Real-time account activity
  • Payments are posted instantly to a student’s account
  • Automatically calculates each monthly installment once a student’s term bill is generated
  • Automatically sends notification, reminder, and update emails to students and Authorized Users
  • Automatic monthly deductions from checking or savings account (ACH) are available at no additional charge

Qualifications

  • A student must have a current term balance of $750 or more
  • A student must have no outstanding obligations to the College
  • Past due balances may not be included as part of the plan
  • A student must pay their fall term bill in-full before they can enroll in the Plan for the spring term

NOTE: The College reserves the right to deny the Plan option to students based on past payment history

NOTE: Any time you have new charges posted to your account, such as fines, tuition, room and board, etc., your installment amount will increase.  Any time you have payments or credits, posted to your account, your installment amount will decrease. Any time your financial aid package changes, your installment amount may increase or decrease depending on the nature of the change.

Payment Schedules

  • Fall payments are due on July 20, August 20, September 20, and October 20.
  • Spring payments are due on December 20, January 20, February 20, and March 20.

Automatic/Scheduled Payments

  • Participants may choose to sign up to have their monthly installments automatically withdrawn from their checking or savings account.

NOTE:  If you choose the automatic/scheduled payment option, DO NOT submit a manual payment, unless you intentionally want to reduce your future payments.

NOTE: Any time you have new charges posted to your account, such as fines, tuition, room and board, etc., your installment amount will increase.  Any time you have payments or credits, posted to your account, your installment amount will decrease. Any time your financial aid package changes, your installment amount may increase or decrease depending on the nature of the change.

Late Payments

  • A $35 Late Payment Fee will be assessed for each late payment
  • Two consecutive incomplete and/or missed payments will result in termination from the RTPP
  • If a student is terminated, s/he will not be allowed to participate in future terms

NOTE: Students are encouraged to periodically logon to their Ramapo account in order to view the status of their account

Enrollment


  • Web Payment Plan Enrollment Instructions using My Ramapo website
    • Log on to my.ramapo.edu
    • Click on Web Self-Service button in the middle of the left column
    • Enter your Ramapo Email User Name and Ramapo Email Password then click on the Login button.
    • Click on Student Services & Financial Aid link.
    • Click on Electronic Payment/Bills/Refunds/… link to review your charges and payments.
    • Click Account Info/Pay Bill button.
    • Click on Payment Plans tab at the top of the screen.
    • Click on Sign Up for a New Payment Plan link.
    • Select desired term in scroll down box.
    • Click on Go button.
    • Review details of your payment schedule carefully
    • Click on Continue button.
    • Click on, Display Payment Schedule link at the bottom of the page
    • Review installment due dates and amounts
      • If you do not want to sign-up for automatic payments, click the NO radio button, then click Continue button
      • If you want to sign-up for automatic payments, click the YES radio button, then click Continue button
      • Any time you have new charges posted to your account, such as fines, tuition, room and board, etc., your installment amount will increase.  Any time you have payments or credits, posted to your account, your installment amount will decrease. Any time your financial aid package changes, your installment amount may increase or decrease depending on the nature of the change.
      • If you choose the automatic/scheduled payment option, DO NOT submit a manual payment, unless you intentionally want to reduce your future payments
    • Select method of payment from the drop-down menu then click Continue button (If Yes, note that you will not be able to use a credit card)
    • Enter Bank Account  or Credit Card information then click Continue button
    • Read agreement carefully
    • Enter last 4 digits of R number at bottom of page
    • Click I Agree box
    • Wait while enrollment is processing
    • If message appears that your payment plan was processed successfully, you may exit the form.College reserves the right to change costs, dates and procedures at its discretion.

    Web Authorized Users Instructions using My Ramapo website
    • Log on to my.ramapo.edu
    • Click on Web Self-Service button in the middle of the left column
    • Click on Student Services & Financial Aid link.
    • Click on Electronic Payments/Bills/Refunds, Payment Plan, Authorized User Signup link.
    • Click on Account Info/Pay Bill button.
    • Click on Authorized Users tab at the top of the page.
    • Click Add an Authorized Users button.
    • Enter the email address of the desired authorized user, answer questions, and click the Add User button.
    • Click I Agree box.
    • Enter the last 4 digits of the Ramapo ID number in the provided field, and click I Agree button.The College reserves the right to change costs, dates and procedures at its discretion.
  • The only cost to participate in the RTPP is a $60.00 non-refundable Enrollment Fee per semester
  • Students enrolling in the fall semester must re-enroll in the spring semester
  • The RTPP is not available in the summer or winter terms

Methods of Payment

Authorized Users

  • Students can give others (parent(s), employers, etc.), the ability to access their account and make payments
  • Instructions on setting up Authorized Users click link below

FAQs

Tuition Payment Plan Q & A

Q.  Is the payment plan for the entire year?
A.  No.  The payment plan is only for the fall and spring semesters.

Q.  What is the fee for joining the payment plan?
A.  The Enrollment Fee is $60 per semester.

Q. If I am enrolled in the plan in the fall semester, will I be automatically be enrolled in the spring semester?
A. No. You must re-enroll and pay the $60 spring Enrollment Fee.

Q. Is the Enrollment Fee refundable?
A. No. It is non-refundable.

Q.  How many installments will I have on the payment plan?
A.  The payment plan will spread your charges across four installments per semester.

Q.  If I pay off my plan and then incur more charges, will I still be enrolled be in this plan?
A.  No.  Once the plan is paid off, it is closed.  If you incur more charges, you must pay them outside the plan.

Q.  Can I enroll in the payment plan late?
A.  Yes. The first payment is due on July 20th for the fall term and December 20th for the spring term.  If you enroll in the payment plan late, you must make up the missed payments when you enroll.

Q.  Can I make an installment payment over the phone?
A.  No. Payments can only be made online, check mail-in, or in person in the Bursar’s office.

Q. What may cause my installment amount to change?
A.  Any time you have new charges posted to your account, such as fines, tuition, room and board, etc., your installment amount will increase.  Any time you have payments or credits, posted to your account, your installment amount will decrease. Any time your financial aid package changes, your installment amount may increase or decrease depending on the nature of the change.

Q.  How will I know if my installment amount has changed?
A.  You will be sent an email when your installment amount changes.

Q.  Must I wait until my installment is due before I submit my payment?
A.  No. You can submit as many payments as you want.  However, each installment must be paid-in-full by the due date or you will incur a late fee of $35.

Q.  How is my financial aid considered in this plan?
A.  Your financial aid is equally spread across the four installments.

Q.  Why do I see the message “You do not have enough eligible charges” when I try to enroll?
A.  This message indicates that your term charges do not meet the minimum required amount to enroll.

Q.  What is the minimum amount I must owe in order for me to enroll in the plan?
A.  You must have a current balance of $750 or more.

Q.  Can I select an option to have my monthly installments automatically withdrawn from my checking or savings account when I first enroll?
A.  Yes. Go to Budget Worksheet and click on the Yes, I want to set up my payments radio button.

NOTE:  If you choose the scheduled payment option, DO NOT submit a manual payment, unless you intentionally want to reduce your future installments.

NOTE: Any time you have new charges posted to your account, such as fines, tuition, room and board, etc., your installment amount will increase.  Any time you have payments or credits, posted to your account, your installment amount will decrease. Any time your financial aid package changes, your installment amount may increase or decrease depending on the nature of the change.

Q. If I am currently enrolled, can I select the automatic payments option?
A. Yes. Go to Make a Payment by clicking on the Payment tab at the top of the page.  Click on the action Schedule/Pay to schedule a payment.  When entering the Payment Date, enter the future date you would like the payment to be processed.

NOTE:  If you choose the scheduled payment option, DO NOT submit a manual payment, unless you intentionally want to reduce your future installments.

Q.  Can I schedule a credit card payment in advance?
A.  No.

Q.  If I am late with my installment payment, will I incur a fee?
A.  Each late installment payment will incur a $35 late fee.

Q.  If I am enrolled in the payment plan, will I be deregistered?
A.  No. If you are enrolled in the payment plan and all installment payments are made on time, in full, you will not be deregistered.

Q.  What happens if I overpay an installment?
A.  If the plan is still active and you have not paid off all charges, your overpayment will be applied to the next installment. If you overpay your final installment and you have a credit balance on your account, you will be eligible for a refund.

Q.  Will I have to wait before I see my payments appear?
A.  No.  Payment plan updates are real time.

Q.  When are the fall installment payments due?
A. The four fall installment payments are due 7/20, 8/20, 9/20, & 10/20

Q.  When are the spring installment payments due?
A. The four spring installment payments are due 12/20, 1/20, 2/20, & 3/20

Direct your questions to Deb Schultes at (201) 684-7311 in the Bursar’s Office.


The College reserves the right to change costs, dates and procedures at its discretion.


Employer Sponsored Tuition Assistance Programs

Any student whose employer is providing payment for semester charges, must present written documentation on company letterhead to the Bursar’s Office prior to or at the time of registration to be considered for deferment. The agreement must contain the student’s name, social security number, semester for which the payment will be made, and the terms of the agreement. If there are any charges that the employer will NOT pay, such as lab fee, parking, etc., the student is responsible to make payment for any unqualified charges by the payment deadline (see deadlines link below). The College will NOT honor any type of agreement that contains conditions that delays or precludes payment. An example of such a stipulation is, “remittance will not be made until grades are received.” Under these circumstances, it will be the responsibility of the student to pay the College in-full and seek reimbursement from the employer. The College will send an invoice to the company. If the employer does not remit payment by the due date, a hold flag will be placed on the student’s account. It then becomes the student’s responsible to make payment in-full before the hold flag will be removed. It is important to present authorized documentation and provide payment of unqualified charges as per the above instructions to avoid deregistration. Direct your questions to Mr. Kash Dalal in the Bursar’s Office at (201) 684-7706.

The College reserves the right to change costs, dates and procedures at its discretion.

Veteran's Deferment

Any person, who is eligible and has applied for veterans’ benefits under any of the programs administered by the Veterans’ Administration offering education and training assistance allowances, may defer payment of tuition and fees (but not room and board fees). Once the Financial Aid Office verifies a student’s eligibility, the student must proceed to the Bursar’s Office to sign a special deferred payment agreement. The agreement will allow the veteran to defer payment on a monthly basis. If a veteran does not sign an agreement, the student will be subject to deregistration. Any delays with receipt of the veteran’s monthly allowance, does not exempt the veteran from making payment in accordance with the deferral. Deferments are not given for a veteran’s first semester at Ramapo, unless circumstances are discussed with the Veteran’s Administrator. Documents should be brought to  the Financial Aid Office for verification. If you have any questions, you may contact the Financial Aid Office at (201) 684-7549.

The College reserves the right to change costs, dates and procedures at its discretion.

Department of Vocational Rehabilitation (DVR)

DVR students may defer payment for the current semester once the Bursar’s Office has received verification of their eligibility from the State Office of Vocational Rehabilitation. Direct questions to Stephanie Samuels in the Bursar’s Office at (201) 684-7173.

The College reserves the right to change costs, dates and procedures at its discretion.

Policies

Bursar's Hold Flag and Deregistration
Bursar’s Hold Flag

Any student who has an outstanding balance will have a Bursar’s Hold Flag placed on his/her account which will prevent registration, entrance into housing, receipt of an official transcript, and diploma. Once a student’s account is paid-in-full, the Bursar’s Hold Flag will be removed. However, a student may still have a hold flag on their account that was placed by another office or department which will prevent the above

Deregistration

By registering either an online or in person, a student has created a financial obligation that must be paid to Ramapo College by the published deadline. Failure to comply may result in deregistration (cancellation of a student’s class schedule), dehousing (removal of a student from their housing assignment), and the assessment of a Late Payment Fee. Students who are deregistered will be notified by the Bursar’s Office via their Ramapo email; Student who are dehoused will be notified by the Office of Residence Life via their Ramapo Email and in-person.

Students participating in the Ramapo Tuition Payment Plan (RTPP) or a special payment arrangement will not be deregistered, dehoused or assessed a Late Payment Fee. However, payment deferments will only be granted by the Bursar’s Office prior to a payment deadline. The RTPP and special payment arrangements are not available in the winter or summer terms. 

An outstanding balance does not always result in deregistration. There may be extenuating circumstances that would hold an account from being deregistered. If you do not intend to attend classes, we strongly recommend that you go online and drop the course(s) yourself or you will be responsible for payment. Deregistration is not recognized as an approved way to formally drop classes. 

The College reserves the right to change costs, dates and procedures at its discretion.

Credit Card Convenience fee, Late Payment Fee, Schedule Reinstatement Fee, and Finance Charge

Credit Card Convenience Fee
This is a service fee that is charged by the credit card processor to the cardholder at the time of payment. The convenience fee revenue is not shared by the college.

Note: A convenience fee is not charged if payment is made by electronic debiting of a checking or savings account (ACH).

Late Payment Fee
Failure to pay according to published payment deadlines may result in the assessment of a Late Payment Fee for each missed payment deadline. A student could be assessed multiple late fees per term if more than one deadline is missed. The amount that will be assessed is term dependent:

Fall and Spring Terms: $200.00
Summer Term: $100.00
Winter Term: $50.00

Schedule Reinstatement Fee
An administrative fee will be assessed to reinstate a deregistered schedule after the Add/Drop period is over. The amount that will be assessed is term dependent:

Fall and Spring Terms: $200.00
Summer Term: $100.00
Winter Term: $50.00

Finance Charge
A Finance Charge will be assessed against the account of any student with an outstanding Account Balance. This Finance Charge shall be calculated and assessed for each month that the balance remains $100.00 or greater. Each monthly Finance Charge will be calculated by multiplying 1.5% by the amount of the outstanding Account Balance. Finance Charges will not be assessed for students who participate in the Ramapo Tuition Payment Plan and have kept their account current. If a student has been terminated from the plan, he/she will be assessed a Finance Charge commencing with the next billing cycle.

The College reserves the right to change costs, dates and procedures at its discretion.

Collections

All account balances not paid-in-full when due are the sole responsibilities of the student and extend to all costs incurred by the college to collect such debt. This may include, but not limited to, late fees, collections costs up to 33.33%, litigation/attorney’s fees, and court costs.

If an account is referred to a collection agency, the account may also be place with a credit bureau and the a student will no longer be able to negotiate with the College. In addition, the account will be sent to the New Jersey State Division of Taxation, which will withhold their New Jersey State Income Tax Refund and/or Homestead Rebate. (The Set-Off Individual Liability Program is commonly referred to as SOIL.)

The College reserves the right to change procedures at its discretion.