What is Student Financial Services (SFS)?
SFS is located on the first floor of Elliot Hall, and is responsible for administering and processing all types of financial assistance and billing functions. We generate billing statements, accept fee payments, process payment plans, award financial aid, authorize the on-campus employment programs (College Work-Study and Student Hourly), distribute student paychecks, and counsel students concerning financial matters.

When is my bill due?
You will receive a statement of charges for the semester prior to the beginning of that term, generally in early July for the fall semester and November for the spring semester. Payment must be made on or before the published due date (generally, the first Friday in August for fall bills, and the second Friday in December for spring bills). If payment is not received by the published deadline, a $50 late fee per month will be assessed, and the student may be "de-registered" from classes. Note that payment must be received - not postmarked - by the stated payment due date in order to avoid late fee penalties.

Where is my bill mailed?
The initial billing statement of each semester is mailed to the student's home mailing address and posted to QuikPAY. All updated billing statements (after the initial billing statement) are posted to QuikPAY only.

Please Note: It is the responsibility of the student to ensure that the bill is paid in full by the payment due date, and that all parties remitting payment are provided with the information needed to pay the bill.

How can I pay?
There are several payment methods available to assist you. If you find you do not have the funds available to cover your charges, you may want to apply for financial aid, or consider a payment plan with TuitionPay. TuitionPay is an independent organization providing payment plan options that allow you to spread your payments out according to a specified schedule. For more information, contact TuitionPay - 800-635-0120.

In addition, private student loan programs are available to assist you. These programs generally do not have terms and interest rates as attractive as the federal loan programs, but can sometimes provide the necessary assistance to those in need. SFS has brochures available for many of these loans, and similar information can be found at many of your local lending institutions. Most of these programs will require a co-signer (usually a parent), and some require payments while the student is enrolled in school. Many of these loans also have higher up-front fees, some as high as 10% of your loan amount. We recommend that you shop around for the best fit for your situation. Please contact Student Financial Services if you have questions about this process.

My award letter shows grant/loan amounts that do not agree with the amounts shown on my semester bill. Why are these amounts different?
Your billing statement is based on the number of credits in which you are currently enrolled. You may have intended to be full-time, but have not yet registered for 12 credits. If you are less than full-time (defined as 12 credits), your bill may then show only part of your financial aid. Your financial aid package is based on the course load you indicated on your FAFSA form. If your actual registered enrollment and intended enrollment do not agree, please use the enclosed fee schedule for assistance in determining charges for your intended enrollment, and refer to your financial aid award letter for your amounts to subtract.

I was awarded College Work-Study. Why isn't that deducted from my charges?
College Work-Study amounts do not appear as a credit on your student account. Once you have found an on-campus job, you will receive a biweekly paycheck based upon the number of hours you have actually worked. If you use money from your paycheck to make payment on your student account, these payments will be reflected on the date that you do so.

I have applied for a Stafford loan. May I deduct that amount from my bill?
Your Stafford loan amount should already be subtracted on your billing statement if you have completed the necessary steps to process your loan. If the loan amount does not appear on your bill, there may be a problem with your Stafford loan. Please contact Student Financial Services with any questions you might have. If SFS confirms your award, you may subtract the amount of your semester award, shown on your award notification, from your bill.

My parents have applied for the Parent PLUS or other type of loan. May I subtract the amount of that loan from my bill?
Yes, parent loans and private student loans may be subtracted from your bill if your PLUS loan has already been approved by your lender and certified by Keene State College. If approved, you may subtract 96% or 97% (loan amount less the lender fees, which vary by lender) of your total PLUS loan for the current semester. Check the disbursement notice from your bank for the exact percentage fee to subtract. If a parent PLUS loan is denied by your lender, the student may be eligible to borrow additional unsubsidized Stafford loan funds if he/she has completed a FAFSA form to determine eligibility. There are limits on the amount of Stafford loan that a student may borrow even in this case, and our office can help you determine these limits. A denial letter from your PLUS loan lender is required prior to awarding this additional Stafford loan amount.

I received an award from a source other than Keene State College, but the money has not yet been sent to KSC. May I deduct that amount from my bill?
The amount of any outside award, including a state grant/scholarship, cannot be applied to your account until the funds have been received by SFS. If this will not happen before the bill is due, you must send a copy of the official notification of your outside award(s) to SFS. Once this has been done, the amount of your award(s) will be deferred from your charges and you may subtract this amount from your bill. If it is necessary for the organization providing the award to receive a statement of account from SFS or a confirmation of enrollment from the Elliot Center, it is the student's responsibility to request the required information.

What if I am expecting a refund?
We understand that you will be facing many expenses when you arrive at college, therefore, we process refunds as quickly as possible. Student Financial Services (SFS) evaluates all student account credit balances, however, students may stop by SFS to complete a "Refund Request" form if they are expecting a refund. All refunds will be sent to the student's "home" address, unless a different address is requested on the Refund Request form. Although our office processes refunds as quickly as possible, students should not plan on using their refund check to pay their rent if living in an off-campus residence. We cannot guarantee that a refund check will be ready by a student's rent deadline. More...

What if payment for my bill is deferred based on anticipated financial aid, and then I don't get that aid?
If KSC defers the payment of your bill based on an anticipated financial aid award, and that award is later denied or declined, your outstanding balance will be due immediately.

Can I register for the next semester if my bill is not paid in full?
You will not be permitted to register for the next semester until your previous account balance has been paid in full.

If someone other than me calls about my student account, what information will KSC release?
The Buckley Amendment protects your privacy. For more information on rights and privileges under Buckley, please contact the Registrar's Office at 603-358-2500. General student account information is available from any SFS representative.

I paid a $100.00 residence hall deposit - why don't I see the credit on my bill?
Deposits submitted by those students entering the residence halls in the fall semester will show as a credit on their spring billing statement. In the event that the student does not fulfill the one-year residence hall contract agreement, the deposit will be forfeited in the Spring semester.