Parents with good credit histories can borrow all or part of a student’s annual educational expenses through the federal PLUS program (Parent Loans for Undergraduate Students). Parents choose a lender they prefer to use and submit a PLUS loan application to the Financial Aid Office at Culver-Stockton College.
Applications are available online. The federal government determines interest rates. Unlike other federal loans, payments on PLUS loans are due while the student is still in college and interest accrues from the disbursement date. You need to complete a Free Application for Federal Student Aid (FAFSA). For more information on the federal PLUS loan program, contact the
C-SC Financial Aid Office.
Students and their families also can apply for alternative loans, also called private loans, to help close the gap between financial aid and the balance due. Usually students need a co-signer with good credit in order to acquire a private loan. Interest rates vary and interest accrues while the student is in college. Repayment begins six months after graduation or if you drop below full-time enrollment. You need to complete a Free Application for Federal Student Aid (FAFSA).
Information about such loans is available online. Information also is available through your bank. We highly recommend that students and their families thoroughly research and compare loan companies in order to make an informed decision.
For families who still have a balance due to Culver-Stockton, we participate in an interest-free monthly payment plan. Through our partner, Tuition Management Systems (TMS), you can divide your bill into equal payments. The month in which you begin making each semester's payments is usually negotiable; but beginning earlier will lower your monthly payments.
You will pay a one-time $65 fee to participate in the program. For more information and applications, go to the TMS website or call 800-722-4867.
Your charges are billed by the semester. Statements are sent in July for the fall term and in December for the spring term. Payment or payment arangements, documented and approved by Student Financial Services, is due by August 15 for the fall semester and January 2 for the spring semester.
The amount due after all financial assistance can be paid by cash, check, or most major credit cards. If you have any questions about the process, please call your admissions counselor and we will be happy to walk you through it.
Returning students must be in good financial standing in order to register for a new term or to receive their grades, diploma or transcript. Your balance is available on the portal.
If you have questions, contact C-SC Student Accounts at 573-288-6492.
Complete C-SC payment policies can be found in the Blueprint, the student handbook.
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