Delinquent tuition accounts for prior semesters are referred to Student Debt Management. This is in addition to the monthly 1% service and late payment charge subject to all past-due accounts. If your account is referred to a third-party agency, you must pay any collection costs and attorney fees allowed by the Uniform Consumer Credit Code.
Late Payment Charges: Past due charges are assessed as once-per-term late charges, as well as monthly service charges on past due balance. The late charge amount is based on the past-due balance. Please see the table below. The 1% service charge is 1% of the past due balance and is assessed every month a balance remains outstanding.
Contact Student Debt Management at 303-315-1800 option 6 or collections@ucdenver.edu.
Balance Due | Late Charge |
---|---|
$1.00 - $99.99 | $5.00 |
$100.00 - $299.99 | $10.00 |
$300.00 - $499.99 | $20.00 |
$500.00 - $699.99 | $30.00 |
$700.00 - $899.99 | $40.00 |
$900.00 - and over | $50.00 |
Stops on Your Records/Registration
You will have a financial stop on your records if you owe the university an outstanding debt. The debt must be paid in full for the stop to be removed. Financial stops will hold transcripts, diplomas, registration, and drop/add. The debt could be due to outstanding tuition, fees, returned checks, short-term loans, or federal loans.
Current and former students can pay their bills online with a checking or savings account by logging in to your UCD Access student portal.
Delinquent Accounts
The university will refer accounts to contracted third-party collection agencies. Please, contact Student Debt Management to determine which agency is responsible for your account. If your account has been referred to a collection agency, the following actions will be taken:
1. No transcripts will be issued until the bill is paid in full
2. Service charges of 1% per month will continue to be assessed
3. Your account will be reported to the credit bureau
4. Your tax returns may be subject to offset to pay the debt
Payment Plans for Delinquent Accounts:
The University of Colorado Denver | Anschutz Medical campus has partnered with Flywire to make paying your past-due account easier. When an account is referred to the Student Debt Management area, a student now has the option of accepting one of our
extended payment plans through our new student debt portal: https://ucdenver.myonplanu.com/login
These payment plans are structured based on the amount outstanding and allow you to bypass speaking to one of our onsite collectors. Your payment plan will be available on our new student debt portal by the census date following the last
semester you attended. If you would like to contact our office to set up a payment plan early, please call 303-315-1800 and the office of the Bursar will get you to one of our plan specialists to assist you.
If none of the payment options on our new student debt portal work for you, we have account specialists who can speak to you about additional options. Once a payment plan is established, no additional interest or late charges will
be assessed on your student account.
Please note that there is a one-time $30.00 nonrefundable charge to establish all past-due payment plans through your: student debt portal. For a more detailed explanation of the terms of your payment plan, please click here.
Accessing your ONPLANU account online:
Note: you can only access the "MyONPLANU" account if you work directly with the Student Debt Management office.
Questions
Please call the Bursar's office at 303-315-1800 or email the Bursar's Office. They will direct you to the correct person to discuss your account.
Important information to know before taking on debt.
A loan is money borrowed and you must repay your loans, even if you:
There are many things to consider before assuming any new debt and student debt is no different. If you are a first-time borrower, you'll want to be aware of the following information.
I Can't Pay My Loan
The full loan balance will be due immediately.
If you are unable to make your scheduled monthly payments for any reason, contact Heartland ECSI at 1-888-549-3274 as soon as possible.
You can download all forms by choosing the "Downloadable Forms" link from ecsi.net.
The school or billing servicer will determine your eligibility for deferments. Continue making your payments until you receive written notification that you no longer need to do so.
Many loans only offer a hardship or forbearance option. This is a period when your loan payments are temporarily reduced or suspended. You may request a hardship or forbearance if you are willing but financially unable to make your full payment. You are responsible for the interest that accrues during the hardship or forbearance period. You may pay the interest as it accrues, or the entire amount at the end of the hardship or forbearance period. Whether you are eligible for a hardship or forbearance depends on your loan type.
Notify Student Debt Management immediately if you anticipate difficulty making a payment. Failure to pay all or part of a payment when due may result in the assessment of late charges. Your billing servicer may report your past-due status to the national credit bureaus and initiate collection actions if you fail to make full, timely payments. The university may impose late charges if you do not make a scheduled payment when due, or fail to submit properly documented forbearance, deferment, or cancellation requests to the university on or before the due date.
Defaulting on your student loan can result in:
You will need to complete the appropriate Entrance Counseling or Exit Counseling.
Loan consolidation enables a borrower with federal student loans from different lenders to obtain one loan with one interest rate and repayment schedule. Consolidation loans are intended for those who need greater repayment flexibility.
The following loan programs may be consolidated:
Advantages of Loan Consolidation:
Disadvantages of Loan Consolidation
Eligibility for Loan Consolidation
Please see more information on Federal Student Aid Loan Consolidation.
Cancellation for Years of Service
If the borrower is employed in one of the eligible areas, up to 100% of the loan may be canceled. Most loans are canceled incrementally:
If you have questions, contact Heartland ECSI at 1-888-549-3274.
The advantages of successful loan rehabilitation:
If you are interested in loan rehabilitation, please, contact Heartland ECSI at 1-888-549-3274.