Bills and Loans

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Pay Your Bill and Loans

The official billing method of the University is email. Billing emails will be sent to the student’s UNC Asheville email address with the bill attached. Students who will not be paying the bill themselves are responsible for forwarding the bill to the appropriate party. Students who have a $0 balance or a credit to their account will not receive an emailed bill.

The information on this page is subject to change.

Billing Information

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Enrollment Deposit

Congratulations on your acceptance to UNC Asheville! We believe you are a great fit for our community. You may confirm your enrollment through your admission application student portal by selecting the link for the Enrollment Form. The form will allow you to accept (or decline) your offer of admission and to submit your enrollment deposit payment. Enrollment deposits may be submitted electronically by credit card or checking account (ACH). Enrollment deposits are non-refundable. If you prefer to submit your enrollment deposit payment by mail, please complete the Enrollment Form in the admission student portal. Additional instructions will be provided.

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Due Dates

Spring 2026 bills have been sent to students with a balance and are due January 12. Updated bills will be sent weekly if changes are made. If payment in full can not be made by this date, a payment plan needs to be in place to avoid a registration hold.

GradGuard Tuition Insurance

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GradGuard Tuition Insurance

GradGuard’s Tuition Insurance Plan can protect your investment in higher education. UNC Asheville has recently partnered with GradGuard to offer plans at special rates. The Tuition Insurance Plan can provide reimbursement for a complete medical withdrawal at any point in the covered term due to a covered illness, injury, or other covered reason, including mental health conditions. Call (877) 794-6603 for questions or concerns.

For a small fraction of your overall tuition costs, Tuition Insurance can protect up to 100% of your family’s education investment should a student withdraw for a covered medical reason as advised by a licensed medical professional for the covered term. Tuition Insurance can cover serious injury or illness, mental health conditions, chronic illness.

GradGuard can make transportation arrangements if the insured student is seriously ill or injured during the term and needs to be moved to a different facility or is ready to go home after treatment. If the insured student can’t drive home because they are sick or injured, they’ll arrange to have the insured student’s car driven back to their U.S. place of residence by an accredited, professional transport company. To enroll in GradGuard, log into your ePayment within OnePort to purchase tuition insurance up to 10 days after classes begin each semester.

Learn More About GradGuard

Third Party Billing

The Student Accounts Specialists manage third party billings and collections including Vocational Rehabilitation, Veterans Benefits, third party financial aid billings and the collection of outstanding balances, as well as any scholarship or grant billings and questions.

Be advised, while a Third Party may have agreed with the student to provide payments for the student’s charges, the student is responsible for any charges not paid by the third party. If payment from the Third Party is not received UNC Asheville will look to the student for payment and the student’s account will subject to all standard holds and collection processes for non-payment. Any questions should be directed to the main Student Accounts email, studentaccounts@unca.edu or by calling (828) 251-6664.

Repaying Student Loans

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Repaying Student Loans

All students receive exit counseling when they graduate or attend school less than half-time. The exit counseling provides information on your loans and when repayment begins. When you graduate or withdraw you will have six months grace period before your first payment is due. PLUS Loans do not have a grace period. This time allows you to get financially settled, select your repayment plan and determine the amount of income you need to put toward your student loan each month.

There are flexible repayment options to help students manage this important financial responsibility. Contact your loan provider to discuss specific options.

The National Student Loan Data System (NSLDS) is the U.S. Department of Education’s central database for student aid. NSLDS receives data from schools, guaranty agencies, the Direct/FFELP Loan program, and other Department of Education programs. Also login to www.myedaccount.com.

NSLDS Student Access provides a centralized, integrated view of all loans and grants so that students can access and inquire about their loans and/or grant data.

Direct Lending Loan Calculators can be found online at studentloans.gov. For more information on repaying your student loans, please visit Student Aid online.

A deferment is a period in which repayment of the principal balance is postponed. During a deferment, if the loan is subsidized, the government pays the interest charged. For unsubsidized, PLUS, unsubsidized consolidation, and PLUS consolidation loans in deferment, you are responsible for the interest that accrues during the deferment period. If you have unsubsidized loans, when you re-enter repayment at the end of the deferment period, any unpaid interest capitalizes (is added to the principal balance).

For complete information on deferment of your loan, contact your lender(s). If you are not eligible for a deferment you may still be eligible for a forbearance.

A forbearance is an arrangement to postpone or reduce your monthly payment amount for a limited and specific period during which you are charged interest. If you indicate a temporary inability, but willingness to pay the loan(s), you may ask for or be offered a forbearance. Interest that accrues during a forbearance is the responsibility of the borrower. When you re-enter repayment at the end of the forbearance period, any unpaid interest capitalizes (is added to the principal balance).

For complete information on the forbearance of your loan, contact your lender(s). If you are not eligible for a forbearance you may still be eligible for a deferment.

Emergency Loans

Leonard S. Levitch Student Emergency Loans are interest-free, short-term loans. The purpose of the loan is to finance emergency expenses for currently enrolled UNC Asheville students for which resources are temporarily not available. A loan may be approved in the event an emergency has occurred to prevent students from having funds available for living expenses, such as food, rent, books, childcare, etc. Emergency loans cannot be approved to pay University charges, such as tuition and fees, since this is a planned expense.

The Emergency Loan funds are financed by the Leonard S. Levitch Student Loan Fund and must be repaid by the due date, generally 30 days from disbursement. In no case will the repayment date be approved beyond the first day of the last month of the semester in which the loan is borrowed (i.e., not after December 1st or May 1st).

The University will attempt to deduct your emergency loan repayment from any future financial aid you may be expecting, but it is not guaranteed. It is the borrower’s responsibility to repay the emergency loan by the due date. Failure to repay will result in a “hold” being placed on your academic records preventing you from registering for future classes and will prevent the release of your transcript and other records until you have repaid the loan.

Emergency Loan Eligibility Criteria

  • You are a currently enrolled graduate or undergraduate student at UNC Asheville during the semester the funds are requested.
  • You must be available to sign documents in person at the Student Accounts office.
  • You are not within 30 days of graduation or the end of the academic year.
  • You do not owe a prior-year debt to the University.
  • You have not failed to pay, made late payments, or been referred to a collection agency on a prior emergency loan.
  • You do not have any holds on your account.
  • Tuition and fees must be paid in full before applying.
  • You do not have any outstanding emergency loans in repayment.
  • Students that currently have a balance due on their student account greater than $100 are not eligible.

Emergency Loan Application

Complete the Leonard S. Levitch Student Emergency Loan Application and submit it to the Director of Student Accounts located in the Cashier Office (#003 Ramsey Library).

  • Student Emergency Loan Application must be completed in full. Incomplete applications will not be processed.
  • Three separate references must be provided. One parent (or close relative) and two non-student references. Failure to provide complete addresses and active telephone numbers for each will consider the application incomplete.
  • The specific reason for needing the emergency loan (including any supporting documentation) must be clearly stated.
  • Provide the specific dollar amount needed (maximum $500).  Please keep in mind that you are requesting money that you need for short-term purposes.
  • Indicate the specific source(s) of repayment.  If employed, provide employer’s name, weekly earning and when you receive your paycheck.

Emergency Loan Check Disbursement

  • Notification of your application status & check disbursement will be sent to your UNC Asheville email account.
  • Emergency Loan promissory notes are to be signed, checks are to be picked up and loans are to be repaid in the Student Accounts office.
  • Loans will be cancelled if the promissory note is not signed and the check is not picked up within ten business days.

Payment Options

Students are required to acknowledge their financial responsibility to the University each semester. A link will be available in the student’s ‘E Pay’ tile from the Student’s Oneport.

Student’s will receive a monthly billing statement however if changes are made to registration or housing assignment this may change the amount due. All student activity can be viewed in Oneport in real time.

UNC Asheville has online options for electronic check (ACH), Credit Card, and International Wire Transfer payments via TransferMate. Students may make payments online using ePayment function within OnePort. Students may also allow parents and other individuals to access ePayment by setting them up as an Authorized User. Authorized Users will need to login by visiting the Authorized Users Login Page.

Cash, check and money order payments may be made in person at the Student Accounts Office located in room 003 of Ramsey Library (in the Academic Success Center).

The Student Accounts Office can not take credit card payments in person or over the phone.

Checks and money order payments should be made payable to the University of North Carolina at Asheville and it should include the student’s name and ID number.

Checks and money orders may also be mailed to the following address:

University of North Carolina at Asheville
Student Accounts Office, CPO 1565
One University Heights
Asheville, NC 28804

Payment deferments for the fall semester will be available after August 1st.. If you would like to request a deferment, you may complete the Fall 2025 Payment Deferment Request Application when it becomes available. You will need to be logged into your UNCA email account in order to complete the form.

All checks deposited through the University Cashier’s Office that are returned by the university’s banking institution will incur a $35.00 return check fee. Once the check has been purchased from the banking institution, the face value of the check plus the $35.00 will be charged back to the account to which the original deposit was made.

The $35.00 return check fee will also apply to electronic check (ACH) transactions which are returned for any reason.

According to the US Patriot Act, amounts brought into the country without appropriate currency reporting greater than $10,000 is considered bulk cash smuggling.

University of North Carolina at Asheville reserves the right to refuse payments that exceed the balance on the student’s account by $10,000.00 or more. Any student who receives a large overpayment to his/her student account may not have the overpayment refunded directly to them. If the student is not enrolling in future terms, the funds may be returned to the source from which the payment came at the student’s expense. If the decision is made to accept the overpayment, documentation must be submitted which satisfies any state or federal reporting.

Contact Us

We are always available, during these hours, to answer your questions in-person, by phone, or by email. No appointment is needed. We are happy to assist with answers about your balance, payments, holds, charges, refunds and bills. The Student Accounts office is located on the bottom floor of Ramsey Library in room 003 by the Academic Success Center.

Office Hours: Monday – Friday: 9am – 4:00pm

003 Ramsey Library, CPO 1565
One University Heights
Asheville, NC 28804
Phone: (828) 251-6664
Email: studentaccounts@unca.edu

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