Understanding Your Fall 2026 Bill

Please review the following important reminders to avoid late fees and potential loss of your housing assignment or guarantee:

• Pay by the Due Date: Fall payments are due on August 3, 2026. A $75 late fee will be assessed after the due date and will increase by $10 each Monday thereafter. There is no grace period.
• Financial Aid Recipients: Do not use your expected family/student Contribution as your balance due. The expected family or student contribution shown on your financial aid award is not the same as your outstanding student account balance. Please refer to your invoice for the amount due.
• Review Your Bill Regularly: Charges and credits may change throughout the summer. The most current balance is available on the Home page of your Nelnet Account. If you have trouble accessing the site, please disable your pop-up blocker.
• Mail Payments Early: Barnard is not responsible for payments that are lost, delayed, or misdirected in the mail. If mailing a payment, allow at least 10 days for delivery. Online payments through Nelnet are strongly recommended.

Student Financial Services - Financial Aid recently released award letters and will continue to issue additional awards weekly as applications become complete. If you have not yet received your financial aid package, please log in to the Financial Aid Portal to confirm that all required documents have been submitted. Missing documents may delay the review of your eligibility and the release of your award. If you believe your application is complete and have not received an award notification, please contact Student Financial Services - Financial Aid.

Please note the following:

• Your Financial Aid Award Letter reflects your aid for the entire academic year, whereas your bill currently includes charges only for the Fall 2026 semester.
• Students with incomplete financial aid applications: Student Financial Services - Financial Aid continues to finalize awards and will release them on a rolling weekly basis as applications are completed. Your Financial Aid Portal will be updated once your award has been processed.
• Federal Work-Study and Barnard College Job awards are not applied to your Nelnet Account. These funds are earned through employment and are paid directly to the student for work performed during the academic term. As a result, they do not reduce the amount due on your bill.

• TAP and SAE (New York State residents only): If the student is a New York State resident enrolled in at least 12 credits and has applied for the New York State Tuition Assistance Program (TAP) or the New York State Scholarship for Academic Excellence, these awards are already included in the student's total grant amount on their financial aid award. Therefore, they are not listed separately on the bill.

  If the student does not have a total grant listed, they should submit documentation of the New York State award to the Bursar so the award can be reviewed and applied, if appropriate.

If you have questions about your financial aid award or application status, please contact Student Financial Services - Financial Aid at finaid@barnard.edu or (212) 854-2154.

If you have completed your loan application(s) and Student Financial Services - Financial Aid has processed them, estimated loan credits have already been deducted from your invoice. These credits represent the net amount the College expects to receive after lender origination fees are deducted.

Please note the following:

• Federal Direct Stafford Loans: Loan credits (minus the lender's fee) will appear on your student account after you have accepted your loan through the Financial Aid Portal and completed all requirements. If your loan credit is not reflected on your bill, please make sure you have:
  • Accepted your loan;
  • Completed the Master Promissory Note (MPN) and Entrance Counseling (first-time borrowers); and
  • Submitted any outstanding documents required to process your loan.
• Federal Direct Stafford Loans require a Master Promissory Note (MPN). Students must be enrolled in at least 6 credits to be eligible for Federal Direct Loans.
• Federal Direct PLUS Loans: Parents interested in borrowing through the Federal Direct PLUS Loan program should follow the instructions under Apply for a Loan.
• Loans are disbursed equally between semesters. Since federal loans are awarded for the full academic year, only half of the annual loan amount (minus origination fees) is credited to your student account each fall and spring semesters.
• If you applied for a Federal Direct Loan and do not see an estimated credit on your invoice, please contact Student Financial Services at finaid@barnard.edu to verify that your loan application has been completed and processed.
• Estimated loan credits are based on the net amount the College receives after origination fees:
  • Federal Direct Stafford Loans: Multiply the loan amount by 0.98941.
  • Federal Direct PLUS Loans: Multiply the loan amount by 0.95764.

Example: A student who borrows a $5,500 Federal Direct Stafford Loan will receive approximately $5,442 for the academic year after origination fees are deducted. Approximately half of that amount will be applied to the fall bill, and the remaining half will be applied to the spring bill.

Loans will not appear as a credit on the student’s bill until all required loan documents have been completed and processed.

Private Loans

For private loans, students or parents must apply directly to the private loan lender. Once the loan is approved, students must also submit the Barnard Private Loan Certification Request Form to Student Financial Services - Financial Aid.

Barnard Institutional Loans

For Barnard Institutional Loans, promissory notes are issued directly by Student Financial Services - Bursar once the loan has been awarded and accepted. Students must complete and sign the Barnard Institutional Loan promissory note before the loan credit can be applied to the student account.

Students are also required to complete the Barnard Private Loan Certification Request Form to finalize processing.

Important Clarification

The Barnard Institutional Loan promissory note is not the same as:

• The Notice of Financial Aid, or
• Federal loan promissory notes (such as Federal Direct Stafford or Federal PLUS Loan agreements)

Please ensure all required forms are completed to avoid delays in applying loan credits to the student account.

If you have already notified Student Financial Services - Financial Aid of any outside scholarships you expect to receive, those funds are already included - or will be included shortly - in the total grant amount shown on your invoice.

If you have not yet reported an outside award, do not deduct the amount from your balance due until you have contacted Student Financial Services - Financial Aid at finaid@barnard.edu or (212) 854-2154 and received instructions.

To ensure timely processing, please email a copy of your award documentation to:

• Student Financial Services - Financial Aid: finaid@barnard.edu

Once your documentation has been reviewed, the appropriate adjustments will be made to your student account.

If You Received the Scholarship Funds Directly

If the scholarship funds were sent directly to you and have already been deposited or cashed, you are responsible for remitting the funds to Barnard College. You may do so by mailing or delivering a check payable to Barnard College to Student Financial Services – Bursar.

If you prefer to replace the funds via an electronic payment through Nelnet, you must notify Student Financial Services – Bursar immediately after making the payment so the funds can be identified and processed appropriately.

Failure to notify Student Financial Services – Bursar may result in a duplicate credit being posted to your account. Any resulting balance discrepancy may not be reconciled until the end of the spring term.

For the 2026–2027 academic year, Barnard offers two five-month payment plan options. You must enroll separately for the fall and spring semesters.

• Domestic Payment Plan: Administered by Nelnet
• International Payment Plans: Administered by Flywire and Convera
  • You may enroll in the Convera International Plan through Nelnet.
  • To enroll in the Flywire Payment Plan, visit barnard.myflywire.com.

A $50 enrollment fee is charged each semester for all payment plans.

Important Information About Payment Plans

Payment plans do not automatically adjust when charges are added to or removed from your student account. If your tuition, housing, meal plan, lab fees, or other charges change after you enroll, your monthly installments will remain unchanged unless you update your plan.

You may adjust your Nelnet payment plan online by:

1. Logging in to your Nelnet account.
2. Going to the Home Page.
3. Locating your active Payment Plan.
4. Selecting Actions next to the plan.
5. Choosing Adjust Balance and following the prompts.

You may also contact Nelnet at (888) 251-3597 for assistance.

For international plans, please contact Flywire Support to adjust your payment schedule.

Important: If your Barnard account shows a balance due after the payment plan credit has been applied, your payment plan does not cover all charges, and you are responsible for paying the remaining balance.

Fall 2026 Payment Plan Options

The Fall 2026 payment plan becomes available on July 1, 2026. The first payment is due at the time of enrollment.

All monthly installments are due on the 1st of each month.

Remaining Balance Due

To avoid Barnard's late payment fee, please submit payment for any remaining Balance Due shown on your Nelnet Account by August 3, 2026.

If you are enrolled in a payment plan but do not see the expected payment plan credit reflected on your Nelnet Account, please contact Nelnet at (888) 251-3597.

Making Payments Outside of Your Payment Plan

Payments that are not intended for your payment plan should be sent directly to:

Student Financial Services – Bursar
Barnard College
3009 Broadway
New York, NY 10027-6598

Note: Enrollment in a payment plan does not guarantee that your entire balance is covered. We encourage you to review your Nelnet account regularly to ensure that all charges are included and paid by the applicable due dates. Adjustments to your payment plan are your responsibility and are not made automatically.

All Barnard students are automatically enrolled in and billed for the Barnard College Aetna Student Health Insurance Plan. If you are covered under a personal or family insurance plan that meets Barnard’s requirements, you may opt out by completing the Health Insurance Waiver.

To compare costs, coverage, and benefits, please visit the Student Insurance website.

Health Insurance Waiver Timeline

• Waiver Opens: Tuesday, June 16, 2026
• Waiver Deadline: Friday, August 28, 2026

Although the waiver deadline is August 28, 2026, we strongly encourage students to complete the waiver by the August 3, 2026 payment deadline. Submitting the waiver form early ensures sufficient time for the insurance charge to be credited back to your bill and may help you avoid late payment fees.

Please note: If you complete the form and your waiver is approved before July 1, 2026, you will not see a charge for health insurance on your bill.

Financial Aid–Related Support

If you are a Financial Aid recipient and your waiver is denied, and you have already accepted your federal loan or have outside scholarships that cover your loan portion, you may be eligible to request assistance through Student Financial Services - Financial Aid by submitting a Health Insurance Assistance Request Form.

For step-by-step instructions on opting out of health insurance and FAQs, please visit the Health Insurance FAQs.

Students with a confirmed room assignment or a housing guarantee for the Fall 2026 term will see a semester housing charge on their student account.

Students who are not yet guaranteed housing will not be billed initially. If campus housing becomes available, charges will be added later in the summer once placement is confirmed. Housing assignment decisions are communicated on a rolling basis beginning in mid-July and no later than August 1.

Students who are billed for housing but decide not to live on campus must submit a Housing Cancellation Form. Cancellation fees may apply depending on the timing of the request and the applicant’s housing status. Full details regarding fees and deadlines are available in the cancellation policy linked in the form.

All Barnard students are required to enroll in a Barnard meal plan. For further information regarding meal plan requirements, refer to the Clarifying Statement Regarding Barnard Meal Plans for 2026-2027.

Students may change their Fall 2026 meal plan by submitting the Meal Plan Change Form.

Deadline to change your Fall meal plan:
August 31, 2026

No meal plan changes will be permitted after the deadline

If you have a dietary restriction or medical condition that prevents you from using the meal plan, please schedule an appointment with CARDS (Center for Accessibility Resources and Disability Services) to request a meal plan accommodation.

If CARDS approves your request for a meal plan accommodation, your meal plan will be canceled effective the date the accommodation is approved. Any applicable adjustments will be made to your student account at that time.

To ensure your tuition exemption is processed correctly and applied in time, please review the instructions below.

Barnard College Employees

Barnard employees eligible for tuition exemption should complete the Application for the Dependent Tuition Reimbursement Program at least 10 days before the payment deadline. This allows sufficient time for the Benefits Office to process the request and for Student Financial Services - Bursar to apply the credit to the student account.

Columbia University Employees

Columbia University employees must submit their Tuition Exemption Form to the Barnard Bursar’s Office by August 3, 2026, for the Fall 2026 semester.

Tuition exemption authorization for Columbia University employees may be available through Columbia HR:

Columbia HR Benefits Enrollment System

Navigate to Benefits → CU Benefits Enrollment System, then log in to review eligibility and submit authorization.

Important Notes

1. Tuition exemption applies to tuition only
2. Fees, housing, and meal plans are not covered
3. Submitting forms early helps prevent delays in billing adjustments and registration issues.

If a third party—such as a parent’s employer, an embassy, a government agency, or a scholarship organization—will pay all or part of your bill and requires an individual invoice, please submit the official billing authorization to Student Financial Services – Bursar on or before the payment due date.

The authorization should include the name of the sponsoring organization, the amount or percentage to be covered, and any special billing instructions required by the third party. Once the authorization has been received and reviewed, Student Financial Services - Bursar will issue an invoice directly to the sponsor.

Third-Party Payments

Third-party payments, including payments from 529 savings plans and employer tuition benefits, may be mailed to:

Barnard College
Student Financial Services - Bursar
3009 Broadway
New York, NY 10027

Financial Aid Recipients

If you receive Barnard financial aid, Student Financial Services – Financial Aid will be notified when third-party billing documentation is received. A pending credit will be extended to your student account while we await payment from the sponsoring organization.

Students Not Receiving Financial Aid

Students who do not receive financial aid will receive a credit on their student account after the third-party request has been processed.

Please note: Students are ultimately responsible for any balance not covered by the third party. To avoid late fees, submit billing authorizations and arrange payment for any remaining balance by the payment deadline. If payment from the sponsor is delayed or differs from the authorized amount, you may be responsible for any outstanding balance.

For Federal financial aid and loans to be applied to all charges on a student’s account, students and/or parents must submit the required Title IV Authorizations to Student Financial Services - Bursar.

Required Forms

• Student Title IV Authorization: Available through the Bursar Form Portal
• Parent Title IV Authorization (PLUS Loan Borrowers): Available on the Bursar website

Important Information

Submission of these signed authorizations is required for federal aid to be used toward all eligible charges on the student account. Without these forms on file, Federal aid—including Stafford and PLUS loans—cannot be applied to non-tuition charges such as fees, housing, and meal plans.

Please complete and submit the appropriate authorization(s) promptly to ensure the timely processing of your financial aid.

Students enrolled in the Barnard/Jewish Theological Seminary (JTS) Dual Degree Program are billed separately by each institution and are responsible for paying each school directly.

Tuition Charges and Registration

Barnard tuition charges are based on the number of credits you are registered for. If you are currently billed at the full-time rate but expect to finalize your registration as a part-time student, you are still responsible for paying the full-time tuition amount by the payment due date.

Because registration changes may not be finalized until after billing deadlines, we strongly recommend enrolling in a payment plan. If you choose to pay your bill in full and later reduce your course load, any resulting credit balance will be refunded after your registration is finalized and your account is adjusted.

Applying a JTS Refund to Your Barnard Bill

If you are expecting a refund from JTS and would like those funds applied toward your Barnard charges, please submit a copy of your JTS invoice showing the anticipated refund to Student Financial Services – Bursar. We will extend temporary credit to your Barnard account based on the expected refund.

Forwarding a Barnard Credit Balance to JTS

If you have a credit balance on your Barnard account and would like the funds sent to JTS, please complete a Student Refund Request Form and indicate that the refund should be forwarded to JTS.

If you anticipate changes to your enrollment or expect a refund from either institution, monitor both accounts closely and contact the appropriate Bursar's Office as early as possible to avoid late fees or payment delays.

JTS Bursar Contact Information

For questions regarding your JTS account, please contact the JTS Bursar's Office:

• Phone: (212) 678-8829
• Email: bursar@jtsa.edu

Students participating in a Study Abroad program during the Fall 2026 semester will be billed for Barnard tuition and mandatory fees, regardless of the tuition charged by the host institution.

Barnard will pay the host institution directly for tuition at the host institution’s rate. Students are responsible for paying all other expenses directly to the host institution or program provider. These expenses may include:

• Housing
• Meal plans
• Program fees
• Health insurance
• Visa fees
• Transportation and travel expenses
• Any other charges assessed by the host institution or program

These charges are billed at the host institution’s rates and are not included on your Barnard bill.

Refunds

If your financial aid results in a credit balance that is intended to help cover expenses charged by the study abroad institution, your refund will be issued in early September. Students are encouraged to plan accordingly, as many study abroad programs require payment of housing, program fees, and other expenses before refunds are available.

For the fastest delivery, students should enroll in direct deposit through Slate by completing the Direct Deposit Form.