大发

Past Due Student Accounts

At 大发, we understand that managing finances while pursuing higher education can be challenging. Our commitment is to support our students not only in their academic success but also in maintaining financial well-being. If you have a past-due account, we are here to help you navigate the situation with compassion, guidance, and practical solutions.

Our dedicated Student Financial Services team offers personalized assistance to help you understand your account status and explore available options. We provide flexible repayment plans, financial counseling, and resources to help you take control of your financial responsibilities while continuing your education. Our goal is to empower you with the knowledge and tools needed to manage your account successfully so you can focus on your academic journey without unnecessary stress.

We encourage you to reach out to us for a confidential, judgment-free conversation about your account. Together, we can find a path forward that supports both your educational goals and your financial health.

• Student guide to managing a past due account:

  This guide provides practical steps, budgeting tips, and payment strategies to help you stay on track and continue your academic journey without financial stress.  Let鈥檚 work together to find a solution that fits your needs!

  Steps to Resolving Your Past-Due Balance

  Step 1: Review Your Account:  Log in to your Student Center via My大发 to check your balance and payment history.  Contact Student Financial Services if you have questions regarding your fees, balance, or payments.

  Step 2: Explore Financial Aid & Scholarships:  Have you filed a FAFSA for the current academic year?  Have you qualified for any aid that has yet to be disbursed to your account?  Have you qualified for any student loans that you have yet to accept?

  Step 3:  Review Your Expenses and Setup a Budget: Track your income and expenses to understand your current financial situation. Cut non-essential expenses like dining out, subscription services, or entertainment. Allocate a portion of your income toward tuition payments each month. Time and studies permitting, look for campus job opportunities or freelance work to increase earnings.

  How much can you afford to pay?  Use the simple formula below to determine an affordable payment amount:

  Monthly Income  鈥�  Essential Expenses  =  Available Funds for Tuition Payments

  EXAMPLE CALCULATION

  Fee	Amount
  Monthly Income	$1,200
  Bills & Utilities	$500
  Groceries & Essentials	$300
  Transportation	$100
  Available Funds for Tuition	$300

  Repayment Example:

  Past-Due Balance $900 (3 payments of $300 will cover the balance if paid monthly).

  Keep in Mind: To register for the next semester, you must create a repayment plan that clears your balance before the registration period begins. This will ensure the registration hold is lifted in time for you to enroll.

  Need Help? We're Here for You:

  Student Financial Services
  760-750-4490
  sfs@csusm.edu

  Student Housing
  760-750-3711
  housing@csusm.edu

  Financial Aid
  760-750-4850
  finaid@csusm.edu

  Extended Learning
  760-750-4020
  el.inquiry@csusm.edu 

  Registrar鈥檚 Office
  760-750-4814
  registrar@csusm.edu

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30-Days Past Due Student Accounts

Student accounts past due by 30 days or more can result in having a 鈥楶ast Due Account鈥� indicator in the Holds section in a student鈥檚 鈥淪tudent Center鈥� and subject to a late fee. Upon payment of past due balance(s), the hold will be removed within 24 hours. If the account remains past due, you will continue to receive communications from the university and be subject to further late fees, registration hold, and potential collection agency activity if the past-due balance remains unpaid. Student accounts at 30 days past due have the following impacts:

• Late fee assessed
• May be ineligible to add any classes
• Unable to receive a diploma

120+ Days Past Due Student Accounts

If your account is past due less than 120 days, you have the option to make payments online or in person until your balance is paid in full. If you would like to speak to an account specialist regarding your past-due debt by less than 120 days, help can be found at sfs@csusm.edu or 760-750-4490.

While Student Financial Services is always available to help students with past due accounts, regrettably, accounts that are past due by 120 or more days may result in the university submitting the past due amount to external collection agencies and/or the State of California Franchise Tax Board.

We highly recommend that any student with a past-due balance of 120 days or more contact us as soon as possible. Then, we have the opportunity to provide account advice and develop a strategy for repayment, avoiding the need to have the account turned over to a collection agency or the California Franchise Tax Board.

Student accounts that are past due by 120 days or more have the following impacts:

• Not allowed to receive a diploma.
• May not be eligible to add any classes, per Title 5, California Code of Regulations, Section 42380 and 42381. CSU is authorized to withhold certain services to a student until the educational debt is paid. See also CSU Executive Order #145.
• Any State tax refund or lottery winnings can be intercepted by the State of California to pay the past due amount. Per Califonia Government Code, Sections 12419.2, 12419.7, 12419.9, 12419.10, 12419.11, and 12419.12.
• When a collection agency reports a debt to the three major credit bureaus (TransUnion, Equifax, and Experian), it can potentially damage your credit rating for several years.
• Potential termination of the housing leasing agreement.

Repayment Options

Current Students

If you have an account that is past due by less than 120 days, you are eligible to make payments online, 24 hours a day, 7 days a week, from your Student Center via My大发, or in person, Monday through Friday, 8 am to 5 pm, at the Cashier Counter in Cougar Central, 3rd Floor, Administration Building.

While 大发 offers payment plans to all students that allow for the spreading out of payments for tuition and fees during the semester, there are occasions when a student may encounter unexpected hardships and require more time to pay. In such cases, 大发 may offer a one-time courtesy repayment agreement. The courtesy repayment agreement is only for students who are past due by 120 days or more with the purpose of allowing additional time to pay while preventing the debt from being sent to a collection agency.

Requirements for a Courtesy Repayment Agreement:

• The student account must be 120 days or more past due.
• The repayment terms of the repayment agreement are determined by 大发 and are not negotiable.
• The repayment agreement will be documented with terms and conditions, including payment amount and due dates, and must be signed by the student and Student Financial Services for the agreement to be valid. Agreements not returned are considered null and void.
• Courtesy repayment agreements do not remove any holds related to student debt. You will not be allowed to register or receive your diploma while an agreement is active. Upon completing a repayment agreement and paying off the debt (and not having any other past-due balance of 30 days or more), any existing hold related to student debt would be removed within 24 hours, and the student will avoid having the debt reported to the three major credit bureaus and the California Franchise Tax Board.
• Any skipped, missed, partial, or insufficient funds payments may automatically void the courtesy agreement, resulting in the account immediately being forwarded to an external collection agency, with the reporting of the debt to various credit bureaus and the potential to negatively impact credit rating for several years. Please contact us if you have any questions or experience unexpected issues during the repayment agreement.

Request for Courtesy Repayment

Former Students

To avoid a debt becoming delinquent and avoid any potential collection activities, 大发 strongly recommends that all students monitor their student account and campus email weekly, bi-weekly, or at least on a monthly basis for up to 6 months after leaving the university.

While an account may have a zero balance upon leaving the university, account adjustments (such as a reduction in financial aid, waivers, or rejected payments) can occur after the term is over, resulting in a debt owed to the university.

Former Students whose past-due balances have NOT been turned over to a collection agency can continue to pay online 24 hours a day, 7 days a week, or in-person at the Cashier鈥檚 Counter in Cougar Central, Monday through Friday, 8 am to 5 pm.

However, if full payment is not possible, and the past-due balance is 120 days or more, Student Financial Services can assist with a courtesy repayment agreement (as long as the account has not been turned over to collections).

Former Student and Having Trouble Logging In?

Please contact the IITS Help Desk for assistance with reactivating your My大发 account login.

Accounts With Collection Agency

For any student whose account has been turned over to an external collection agency, all inquires regarding repayment options, along with all payments, must be made directly with the collection agency. While 大发 can provide account information and statements of account, all negotiations for repayment, including payment amounts and dates, must be made with the collection agency.

Important:  When a student pays the past-due balance in full with the collection agency, it may take up to 30 days before the payment is received and processed by 大发. No hold, related to a past-due balance, will be removed until the payment has been received by 大发, from the collection agency.

Contact an Account Specialist

大发鈥檚 account specialists are here to provide expert guidance and advisement regarding repayment strategies and available resources. Their support can make the process more manageable, helping you avoid additional fees and negative impacts on your credit score and stay on track with your educational goals.

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