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Financial Policies at NCNM

Tuition
Academic Fees

Lab Fees
Miscellaneous Fees
Payment Policies
Summer Tuition
Change of Track
Emergency Loans

Other Expenses
Refund Policies

Financial Policies 2009-2010

Tuition

All new students enrolled in Fall 2009 will be charged at the per-credit rate of $331. All amounts are in U.S. currency. Note that Visa and MasterCard credit cards are accepted for tuition or fee payment (see credit card fee below).

Academic Fees

Lab Fees

*All lab fees are non-refundable

Miscellaneous Fees

Tuition and Fee Payment Policy

All tuition and fees listed above are in U.S. currency. NCNM maintains tuition, fee and refund policies that are fair and uniformly administered. Tuition and fees for each quarter are payable in full at the beginning of each quarter. The Business office may apply a late payment fee of $50 to a student’s account unless the student has paid tuition or made arrangements (i.e. a deferral promissory note) by the end of the second week of each quarter.

Students unable to pay their entire tuition must see the Business office to make payment arrangements before the due date. A promissory note may be written to defer payment of tuition until the last day of the quarter. There may be a $20 fee assessed for each deferral. The Business office may deny or rescind a student’s eligibility for a promissory note if a student (1) misses the required payment due dates, (2) provides inaccurate or incomplete information, or (3) has a poor credit history. In no case is a student permitted to register for a quarter until all money owed the College is paid in full from previous quarters.

Credit for courses will not be given until tuition and fees have been paid in full. The Business office may also block future registration until all debts have been paid in full. Transcripts or diplomas will not be issued to students if they owe the College any money, regardless of the source (i.e. outstanding clinic balances). Students with past due accounts who pay in full with a personal check will have transcripts or diplomas issued to them two weeks after payment.

Any adjustments or modifications to the schedule of tuition charges are subject to the approval of the Chief Financial Officer.

Summer Quarter Tuition

Students taking elective, hydrotherapy rotation or additional summer clinic in non-required summers may not be eligible for financial aid.

Change of Track

A change of track requires the following signatures: College Advisor, Associate Program Dean, Business office, Financial Aid office and Registrar’s office. All change of track requests must be completed by week eight of the quarter prior to the quarter in which the change takes effect.

When a student is matriculated into the dual degree (ND/MSOM) program, no change of track fee will be assessed for the initial change; however, any subsequent changes will be assessed a change of track fee.

NCNM Emergency Loans

Short-term emergency loan assistance is available to eligible students. The maximum amount that can be borrowed is $500. A $10 loan-processing fee may be charged for each loan. Please contact the Financial Aid office for an application and for eligibility requirements.

Student Responsibilities
1.    When students register for classes at NCNM, they incur charges on their account. Students are responsible for payment of all charges on their account by the due date, even if another party is paying the account.
2.    Students experiencing financial problems in the payment of any tuition and fees are responsible for contacting the Business office to make satisfactory arrangements.
3.    Students are responsible for keeping NCNM informed of their current address and should submit address changes to the Registrar’s office immediately upon moving.
4.    Students are responsible for formally withdrawing from classes they wish to drop. Students who fail to formally drop classes during the refund period are responsible for the tuition charges. (See section on Add and Drop Policy.)
5.    Any assessment or judgment against a student for damage to NCNM property, whether arising from a Student Conduct Code proceeding or a court action, shall be considered money due NCNM as if it were tuition. No transcripts or diplomas will be released to the student until the amount due the College has been paid. The Business office may also block future registration.

NOTE: The college is not responsible for any loss of or damage to the personal property of a student.

Other Expenses

Students are required to purchase textbooks and other personal equipment, as well as basic diagnostic equipment for use in courses and clinic. These costs vary from year to year. Estimated costs applicable to a full-time first-year student enrolled in the four-year ND or MSOM program during the 2008-2009 academic year are estimated as follows:   

Tuition and Fee Refund Policies

If a student finds it necessary to withdraw, either completely or from specific courses, the following policies apply: 

• The application fee, submitted with the initial application for acceptance into NCNM, is nonrefundable.
• The acceptance deposit fee will be forfeited by a student who withdraws after accepting admission but before attending classes.
• Calculation of tuition refunds is based on the date the student begins NCNM’s withdrawal process. 
• Tuition refunds will first be applied to balances due NCNM. If a student receiving financial aid is eligible for a refund, that refund is returned to the Federal Financial Aid program.

Tuition refunds are calculated according to NCNM’s tuition and fee refund policy outlined below:

            Week of Qtr.                Tuition Refund Rate    

            First week                    100% tuition   

            Second week                100% tuition

            Second week                 90% tuition     (if withdrawing from school completely)

            Third week                    80% tuition              

            Fourth week                  70% tuition

            Fifth week                     60% tuition  

            Sixth week                    50% tuition

            Beyond sixth week          No refund

•    If a student receiving financial aid is eligible for a tuition refund, that refund is returned to the Federal Financial Aid program. Any refund of tuition and fees resulting from a withdrawal or a reclassification of tuition status must be applied to the recipient’s financial aid awards before any payment is made to the student. Tuition refunds are calculated according to NCNM’s tuition and fee refund policy. Return of Federal Title IV funds is calculated according to Department of Education regulations. (See Financial Aid section for more information.)

•    Students whose accounts were paid-in-full often have a balance due NCNM after withdrawal. The Title IV return of funds policy operates independently of the college’s tuition refund policy. It is possible for a withdrawing student to owe NCNM money because aid must be returned to the Title IV program, but the student is not entitled to a refund of institutional charges.

•    Federal regulations for this refund policy allow the college to retain an administrative fee that reduces the institutional charges subject to refund. This fee is five percent of total charges up to a maximum of $100.

•    Furthermore, Federal regulations require that any student who has received a loan while attending NCNM and who leaves the college for any reason, including official leaves of absence, must participate in a loan exit interview. Exit interviews are conducted by the Financial Aid office and can be arranged by calling that office. (See Financial Aid section for more information.)