Understanding Your Bill


E-bills will be sent to students' Barnard email addresses no later than NOVEMBER 1.  No paper bills are mailed.  As of November 1, students may view their student accounts online, enroll in a payment plan, or make a one-time payment via our electronic Student Account Center (SAC) at barnard.afford.com.

Avoid Late Fees Checklist

  • If the student is covered under another medical plan, she may request an annual opt out from the student health insurance charged by Barnard.  Although new students entering Barnard for the first time in the Spring 2018 semester may visit University Health Plans to opt out of the College's student health insurance between November 1, 2017 and January 15, 2018 , to avoid late payment fees, the College *strongly* cautions them to do so before their Spring 2018 payment deadline.  Read the FAQ first.
  • In order for a student to register without penalty, Barnard’s invoice must be resolved by August 1 for the fall semester and December 1 for the spring semester. When charges remain unresolved, the College will block registration and reserves the right to revoke housing move-in and dining privileges.
  • Late payment fees begin at $75 on August 2 (fall semester) and December 2 (spring semester) and increase by $10 on each subsequent Monday.
  • There is no grace period. Return the Bursar Worksheet with payment to BURSAR by August 1 (fall semester) or December 1 (spring semester).
  • TMS payment plan: You must advise TMS of the exact amount to pay to Barnard each term. TMS does not automatically adjust your payment plan to reflect the actual balance due to Bursar.
  • Remember to deduct the lender's origination fees from any pending loans you subtract from your invoice.
  • Your “expected family/student contribution” for financial aid purposes is not your outstanding student account balance.
  • Changes/updates to your invoice are available at barnard.afford.com (disable pop up blockers to access).
  • Barnard is not responsible for lost, late, or misdirected mail; pay online at barnard.afford.com, or allow at least 10 days for postal mail delivery.

Financial Aid

The student's TOTAL GRANT will already be deducted at the bottom of her bill as "Total Grant remaining to be credited." If you have a "Notice of Financial Aid" showing a TOTAL GRANT that is not deducted, deduct it on the Bursar Worksheet after reading the Bursar sections below on TAP, Outside Awards, and Self Help.

Self Help

"Federal Work-Study" or "Barnard College Job" wages will never be deducted from your bill. Wages are paid directly to the student by paycheck for work performed during the term. They do not reduce your payment.

Housing/Meal Plans

All students (full time commuters and all campus residents) are required to enroll in a Barnard meal plan. By default, a meal charge will be added to your bill. If you wish to change your meal plan, calculate the difference in cost to pay to Bursar and change your meal plan online at my.barnard.edu (under the Student Services tab, click myHousing and Dining, then Meal Plan). After the fourth day of the semester, no further change of meal plan is permitted for that semester.

Housing and meal charges (along with all other college charges for tuition and fees) must be paid prior to move-in in order to be issued a room key. If a meal charge is incorrect or missing from the bill, please change your meal enrollment at my.barnard.edu (under the Student Services tab, click myHousing and Dining, then Meal Plan) and on the Bursar Worksheet and return it to Bursar with your payment.

Read more about Meal Plans.

Tuition Exemption

  1. To avoid progressive late payment fees, make payment of the balance shown on your Barnard invoice by August 1 (fall semester) or December 1 (spring semester).
  2. Submit the Bursar Worksheet to Barnard Bursar showing your deduction for the tuition-exempt amount by August 1 (fall semester) or December 1 (spring semester). Only tuition is covered (no fees, room, or board).
  3. Columbia University (CU) tuition exemption authorization may be available to CU employees at hr.columbia.edu. (Click Benefits --> CU Benefits Enrollment System, and login.) To avoid late fees and complications with registration, submit your approved Exemption Form to Barnard Bursar by August 1 (fall semester) or December 1 (spring semester).

Title IV Authorization

In order for Federal financial aid and loans to be credited toward all charges on the student account, return two Title IV Authorizations to Bursar.  One is for the student, and the other for a parent PLUS loan borrowers.  (They are both printed on the same page.)  Without these signed documents, we will not be able to apply any federal aid received (including Stafford and PLUS loans) toward all charges assessed to your bursar account.

Federal Perkins and Barnard Loans

These loans will not appear as a credit on the bill until the student has signed the appropriate Loan promissory note with Financial Aid. This promissory note is not the same as the Notice of Financial Aid or the promissory notes you may sign for Federal Stafford, Federal PLUS, or Tuition Management Systems (TMS). Perkins and Barnard Institutional Loan promissory notes are available from Financial Aid.

Federal Direct Stafford, Plus, and Other Loans

If you have completed your loan applications for the year and they have been processed by Financial Aid, we have already extended credit for any estimated pending loans  at the bottom of your invoice. This amount is based on the loans for which you applied this year. It reflects the estimated net amount of your loan minus your lender’s fees.

To apply for a Federal Direct Stafford loan, you must complete a "Master Promissory Note" (MPN). Students must enroll for at least 6 credits to qualify for any federal Direct loan.

If you applied for a Federal Direct Loan and estimated loan(s) are not already deducted at the bottom of your bill, you may deduct them on the Bursar Worksheet minus a Federal Direct Loan origination fee that is charged by the US government.  To calculate the amount the College will receive from your loan, for Federal Direct Stafford Student Loans, multiply the loan amount by .98931.  For Federal Direct PLUS (Parent Loans), multiply the loan amount by .95724. 

TAP (New York State residents only)

If the student is a New York State resident taking at least 12 credits this semester and has applied for the NYS Tuition Assistance Program (TAP) or Scholarship for Excellence, the award is already included in her TOTAL GRANT.  If she does not have a TOTAL GRANT, send Bursar documentation of your NYS award each semester along with the Bursar Worksheet showing the deduction.

Outside Awards

If you have already advised Financial Aid of any outside awards you expect to receive, these are already included in the TOTAL GRANT amount, if any, on your invoice.  However, if you have not advised Financial Aid of an outside award, do NOT deduct it without first speaking with Financial Aid at (212) 854-2154; follow their instructions.  Scan your documentation for any outside award to both Financial Aid (finaid@barnard.edu) and Bursar (bursar@barnard.edu).

Third Party Payment

If a third party (e.g. parent’s employer, embassy) pays any part of the student's bill, return the Bursar Worksheet with official authorization for billing the third party to the Bursar before the payment deadline.

Payment Plan

Barnard’s payment plan is administered by a third party, Tuition Management Systems (TMS) at barnard.afford.com.  There is a $50 fee each semester for enrolling in a plan. Note that TMS will not adjust the amount you budget without specific instructions from you;  if you incur additional charges with Barnard (e.g. increased meal plan, change of residence hall room type, lab/course fees, etc.), your payment plan will not automatically be increased to cover the additional cost, but you may contact TMS to increase your budget accordingly.  If your student account still shows a balance outstanding after the deduction for TMS, your plan does not cover all charges.

By August 1 (fall semester) and December 1 (spring semester), send Bursar your payment for any remaining "Balance Due" on your Barnard invoice to avoid Barnard's late payment fee. If your TMS plan is not deducted on Barnard’s bill, use the Bursar Worksheet to deduct it, and submit the Worksheet to Bursar before the payment deadline, or add a late payment fee. Progressive late payment fees begin at $75 on the day after the payment deadline and increase by $10 each subsequent week. If you need to increase your semester payment plan amount, make the adjustment online with TMS prior to Barnard's payment deadline in order to avoid late fees.

Payments by check intended for the payment plan must be mailed directly to TMS, PO Box 645113, Cincinnati, OH 45264.  Be sure to include the student's name and Barnard student account number on the face of all checks.  (Checks not intended for the payment plan should be sent directly to Barnard Bursar, 3009 Broadway, New York, NY 10027-6598.)

JTS Dual Degree Program

Students enrolled in the Barnard/Jewish Theological Seminary (JTS) dual degree program pay each institution separately. If you are expecting a refund from JTS, please contact our office to arrange a payment plan. If you wish to forward a credit balance from your Barnard account to JTS, please complete a Student Refund Request form.  You may reach the JTS Bursar, Ian Agrest, at (212) 678-8830 or iaagrest@jtsa.edu.