The student accounts office is located in the business office at Lentz Hall. These staff members are dedicated to serve students who have concerns or questions about their billing and those who wish to add credit to their account for items such as parking or food service.

contacts: Georgiana Acerbi Nathan SpanglerMarietta WalkerCarol Weyrauch

Some tuition and fees vary for part-time, evening, non-degree-seeking and adult students. The online Carthage catalog includes a complete listing of fees and tuition.

Carthage provides a monthly statement for all student accounts with an actual balance greater than zero (0). Statements are sent to the student’s home address and are clearly identifiable in a Carthage window envelope, stamped “STATEMENT ENCLOSED.” Upon student request, special mailing arrangements can be made to an alternative address by contacting the student accounts office.

tuition and fees 2015-2016

tuition (12-18 credits per semester)

$38,375

residency fee (Double room with basic meal plan)

$10,460

combined tuition and fee:

$48,835

billing procedures

Room Upgrades (Extra Charge)

Single room $1,945

Double room with private bath at $650 Swenson & Madrigrano

Double suite, Denhart, Johnson (#4-#8), $1,700 Madrigrano, Tarble (#4-#11)

Triple suite, Denhart, Johnson (#4-#8), $220 Madrigrano, Tarble (#4-#11)

Triple suite, Johnson (#3 & #9), Tarble (#12) $1,040

Quad suite, Johnson (#3 & #9), Tarble (#12) $175

Oaks Residential Village (single/double) $2,030/$1,010

Additional Optional Costs

Overload (per credit above 18 credits) $1,320

Parking Annual/Per Term

Lower Lot A $1,000/$600

Lot V $315/$185

Commuter Lots $105/$60

Off-campus Lot P $75/$45

Off-campus Lot R $75/$45

Other

Private music lessons $340 (fee + additional credit/audit fee)

Application fee $35/$10 (Full Time/Part Time)

Transcripts $10/$6 (first/each additional requested at same time)

Lost ID or key $25

Returned check $25

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Additionally, while the student accounts office does not oversee financial aid, it is highly recommended that every student contact the Office of Student Financial Planning prior to check-in to ensure that all needed forms and paperwork have been filed with that office.

payment options

In mid-May, a payment planning letter for the upcoming academic year will be mailed showing your estimated annual tuition and residency fee where applicable (this estimate will be based on the credits the student has registered for and housing the student has elected at the time of print). This letter will list the credit for a student’s deposit payment and an estimated financial aid package, less the lender’s hold back on Stafford Loans and any Work-study award. The “Net Amount” will equal the charges for the academic year, less the deposit, and the adjusted financial aid award.

Upon receipt of this letter, we require that each student select one of three payment options:

option 1 option 2 option 3

Pay the “Net Amount,” in full, prior to July 1 and a credit equal to two (2) percent of the “Net Amount” will be credited to your account. This credit may be applied to future bookstore charges or the purchase of a meal plan option. Payments for this option may be made with credit/debit card, check, or cash.

A two-payment option is available with approximately one-half the yearly tuition and fees due by August 1 and the balance payable January 1. Payments for this option may be made with credit/debit card, check, or cash.

The “Net Amount” can be divided into eleven (11) equal payments which will be due on the first of each month from July through the following May. A $150 service fee is charged. Monthly payment plans are serviced by Educational Computer Systems, Inc. (ECSI).

To pay your account balance using this option, please contact ECSI at ecsi.net/carthage or call 1-866-927-1438.

Parents and/or students are eligible for a number of loan options to cover educational costs. Should you wish to consider any of these options, please contact the Office of Student Financial Planning.

Before starting each semester, students must complete a check-in process with various areas across campus. To be “financially cleared” for check-in, each student must have met the following requirements:

2 31 A payment planning letter for the year/semester must be complete and on file.

A Rights & Responsibilities form must be completed and on file. (This form only needs to be completed once in a student’s Carthage career.)

Students must be current with their account balance. Any balance remaining from a prior semester will delay or prevent a student from checking in.

additional financial responsibilities

Auditing a class is free of charge if the class does not move the student into an “overload” (more than 18 credits). For part-time students and students who would move into an “overload” situation by auditing, the fee is $170 per credit.

Carthage does not charge interest on student accounts if payments are received as requested. However, a late payment fee will be applied to overdue accounts. This fee will equal 1 percent of the total unpaid balance. Additionally, any financial aid award not applied to a student's account before March 1 because of a failure to provide necessary financial aid documentation will become subject to this late payment fee.

auditing a class

late payment fees

work-study awards

Financial aid awards for either the federal or College Work-Study programs represent an obligation on the part of the College to make available sufficient hours of employment to meet the value of the award. Students are responsible for finding employment. This is coordinated through the Office of Student Financial Planning.

Work-study payments are in the form of wages and are subject to both state and federal income taxes. Earnings from such employment can be applied only to a student’s account as the wages are actually earned. Consequently, these awards are not considered a direct award of financial aid to a student. If a student wishes to use these earnings for payment of tuition and fees on a month-to-month basis, the use of a payment plan is required.

Placement for all campus employment positions is coordinated through the Office of Student Financial Planning.

refund schedule

Refunds are made for tuition, board, and auditing fees only. No refunds or adjustments will be made for room charges, late fees, course or lesson fees, and other administrative or miscellaneous charges.

All notices of withdrawal and/or requests for refunds from the College, including cancellation of registration and/or residential status, must be in writing and addressed to either, the Office of Student Life, the Office of the Registrar, or the Business Office. The official date of withdrawal will be the earliest of: the date the student appears in person at a designated office and signs an appropriate withdrawal document, the date of receipt of a “fax” or “email” message indicating withdrawal from the College or class, or the postmark on the envelope containing the request.

Refunds are based upon the percentage of the term which has elapsed during the period of attendance. Prior to the add/drop date each semester, a student who withdraws will receive a full tuition refund, less his or her $300 deposit. After the add/drop date, the refund is prorated. The percentage of attendance is determined by dividing the number of term days elapsed by the total days in the term. All Carthage and federal scholarship or loan awards applied to the student account will be proportional to period of attendance.

After sixty percent (60%) of the term has elapsed, no tuition or audit fees will be refunded and 100% of scholarship

and loan awards will be credited to the student account.

For students living on campus, no refund is given for any portion of the room charge. A refund is given for a portion of the board (or food) charge. The refund is calculated at the rate of $50 per week. Thus, in a 14-week semester, a student who attends 4 weeks will be refunded 10 weeks at $50 per week, or $500 for the board portion.

residency fee refunds tuition and audit fee refunds

j-term

Tuition for one J-Term class per academic year is included for students attending a full academic year. Tuition does not include any study tour or material costs. Students wishing to attend two J-Terms in an academic year must petition the Office of the Registrar and will be billed full tuition at the part-time student rate for the second J-Term. Students may not audit a J-Term class without being assessed the per-credit audit fee.

meal plan options

Carthage dining services, provided through Sodexo, are available from 7 a.m. through 7 p.m. Monday through Friday; 7 a.m. through 6:30 p.m. Saturday; and 11 a.m. through 7 p.m. on Sunday. Meals are available in food court style, with a number of stations providing a variety of choices. Each meal is all-you-can-eat, as the meal plan allows entry to the Dining Commons where the student is free to choose any or all of the available selections.

In addition to the Dining Commons, food service venues also are located in the Campbell Student Union, featuring nationally recognized franchise brands. Donna’s Bytes cyber-café featuring Einstein Bros. Bagels and Freshens is available in the Hedberg Library, and the A.W. Clausen Center for World Business features a Starbucks.

Hours of operation for all of the food service locations can be found at carthagedining.com.

Each resident student is required to participate in the board plan and will be charged for the “BASIC” meal plan. Carthage also offers a “premium board plan” for all full-time students who are residing on campus.

basic premium additionalpoints

Under this program, each resident student will receive a total of 2,350 points during the academic year. Each point represents one dollar at any of the food service venues. Each week, 50 points will be added to a residential student’s ID card. The weekly points can be used only during the week that they are added to the ID card. An additional 700 flexible points will be available for use at any time during the academic year. The basic plan is enough to pay for 430 meals in the dining hall in an academic year.

The major advantage of the premium board plan is that it will contain a total of $1,350 in additional purchasing points throughout the academic year, at an additional cost of only $1,300, saving you $50 compared to buying additional points in blocks throughout the year. (The standard board plan has 2,350 purchasing points during the academic year.) The premium plan is enough to pay for 700 meals in the dining hall in an academic year.

Students – residential and commuter – also may purchase additional flexible points in blocks of 50 (at a cost of $50).

The only meal points that are reimbursable are flexible points that have been purchased additionally above any meal plan.

A final statement showing all final charges, credits, and adjustments normally will be mailed within 30 days of the notice of withdrawal. This final statement will show any balance due the College or indicate an amount to be returned to the student. Refund checks will be available approximately ten (10) days following the preparation of this final statement.

Individuals seeking clarification or review of either this final statement or the application of the refund policy to their individual situation should address all inquiries to:

Nathan Spangler, Manager of Student Financial AccountsCarthage College2001 Alford Park DriveKenosha, Wisconsin 53140

final accounting

All full-time Carthage students receive a photo ID card for use on campus. This card is required to gain entry to the residence halls and Dining Commons, to charge textbooks at the beginning of each term, to register for classes, to check out materials at the library, and to cash checks on campus. This photo ID is provided free of charge at the beginning of each student's college career. A $25 fee is charged to replace lost cards. This permanent card is much like a credit card, as it is magnetically encoded with the student's ID number and can be read electronically by scanners at the Dining Commons and residence hall entrances. Only authorized students are admitted into these areas.

student identification cards

Each student is responsible for providing his/her own health insurance. Carthage does not provide, nor make available, student health insurance. As protection for the College and the Kenosha medical community, a program to cover the cost of emergency treatment is carried by Carthage, but only as secondary coverage to the health insurance provided by the student.

student health insurance

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