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Waive Certain Fees as an Online Student

Many colleges advertise the cost of attendance by combining tuition and fees into one large number. The College Board reports that the average cost of tuition and fees for the 2015-2016 school year was $32,405 at private colleges, $9,410 for state residents at public colleges and $23,893 for out-of-state residents attending public universities. But how much of those price tags were for tuition, and how much was fees? It is worth deeper investigation.

For example, in spring 2016, SUNY—- Stony Brook University charged undergraduate New York State residents $8,854 and $2,385 in fees. To further complicate the situation, the $1,550 fees are “broad-based,” meaning they cover a large range of non-instructional expenses.

Many university fees and requirements were conceived long ago and are not designed with the online student in mind. Online students are often exempt from these fees or requirements without knowing it.

Because universities often bundle fees, it is difficult to know exactly how much money is allocated toward each sub-category of the bundled fee. More importantly, it obscures which fees an online student might successfully waive. Another layer of investigation is needed to determine exactly what sub-categories are included in broad-based fees.

Common fees that an online student might attempt to waive include:

— Transportation: Funding for campus shuttles and city bus passes.

— Academic excellence: Supports tutoring center and retention efforts.

— College: Supplements campus operational budgets and maintenance.

— Campus recreation: Maintains recreational facilities for students.

— Athletic: Funding for campus intercollegiate athletics and student fitness facilities.

— Health: Funding for campus health clinic, urgent care, or hospital.

— Student programming: Funding for visiting artists, concerts, and events.

— Student government: Funding for student government budget.

One might argue that such fees only benefit on-campus students. Campuses often don’t have a good accounting mechanism for determining which students should pay these fees and which students are exempt. Sometimes, all students are charged the fees, and at some schools, the fully online students may receive a refund later in the semester.

Such practices could negatively impact students receiving large amounts of federal financial aid. Because fees constitute a high percentage of a student’s total financial need, their financial aid will be calculated at a higher rate. If fees are successfully waived after aid has been dispersed, the student might need to pay back the excess aid, or the financial aid office could adjust the aid to be less in the subsequent semester.

Also, if a student is enrolled in a face-to-face degree program, he or she may have to request a fee refund for online courses — at some schools, fees won’t automatically be refunded for on-ground students who take classes online in a particular semester.

Beyond fees, almost all universities require new students to show proof of immunizations prior to course registration. Most campuses exempt 100 percent online students from this requirement. Usually, students must seek the exemption, and by the time the process sorts itself out, the most desirable courses could already be full.

The takeaway : Fully online students should ask about fee waivers and vaccination exemptions before blindly paying fees or getting needlessly vaccinated. Most campuses have developed a waiver process, though students ask the bursar or registration liaison about such policies early in the enrollment process.

More from U.S. News

4 Hidden Costs of Online Degrees

Consider This Before You Pay for an Online Degree

Cheaper Tuition Isn’t a Sure Thing for Online Students at In-State Schools

Waive Certain Fees as an Online Student originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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