Student asking a question in classroom


Finances at APU

Undergraduate Financial

We use a billing and payment system at APU to accept electronic payments. The following payment methods are accepted through our system:

  • Credit/Debit Card
    • Payments made online using credit or debit cards are subject to a service fee amounting to 2.85% of the payment amount and collected by our third-party vendor; the fee is not paid to APU
  • ACH/Check Payments
    • Funds drafted directly from your checking or savings account
    • This option is free and not subject to additional fees
  • International Payments through Flywire
    • International credit cards are assessed 4.25% of the payment amount and collected by our third-party vendor; the fee is not paid to APU
  • 529 Savings Plan

You can access Billing and Payment site visiting the button below.

For more information and helpful documents:

You will be required to log into the Billing and Payment site as either a parent/authorized payer or as a student.

Parent/Authorized Payers

Adding authorized payers to your account allows others, such as parents and spouses, to view your statements and make online payments. To set up an authorized payer:

  1. Visit
  2. Click on "Students" link.
  3. Select “Add New” under the Parent/Authorized Payers category.

“Charges” include everything from your tuition and dining plan to a parking fine from Campus Safety.  Most offices on campus have the ability to place a charge on your account, which will be added to the amount that you are required to pay to APU in order to keep your account current.


There are charges that you can expect to see on your account each semester (ie tuition, service fee, etc.).  For more information, visit our Tuition and Fees page. Note: A health insurance charge will be added to your account and the waiver will be applied only IF the student has appropriately waived the health insurance coverage.  Click here for more information.

Other Charges

The following charges are common to most undergraduate students and will appear each semester, but you will need to sign up for them in advance.  If you have signed up for these, please review your account to ensure it appears on your account activity.

  • Housing fee (must be signed up for campus housing)
  • Dining plan (must be signed up for a meal plan - not automatic!)
  • Parking permit (must be signed up for a permit to park on campus through Campus Safety)
  • Other - there may be other fees or fines assessed to your account where applicable

View your Student Account

Review your account for detailed descriptions of all charges:

Installment Plan

As an APU student, you are automatically enrolled in our 4-month payment plan for each semester. This means that you have two options for paying your owing balance each semester:

  1. Pay the full balance right away.

  2. Pay off the balance in 4 monthly installments.

Most students use option #2. However, there are a few things to keep in mind if you choose to pay in installments:

  • There is a due date each month for when your payment must be received by Student Services Center. If the monthly payments are not up-to-date, you will be unbale to continue with courses the following term and are at risk of being sent to our Payment Solutions Office (internal collections).

  • The amount that must be paid could change from month to month. This is because charges may be added to your account throughout the semester and will affect any following payment amounts. The amount that must be paid is listed on your monthly statement on the Billing and Payment site and the Account Activity on your student portal (

  • The 4-month payment plan is for one semester at a time. You will be required to make payments on the following dates:

    • For the fall semester balance: August 1, September 1, October 1, November 1

    • For the spring semester balance: January 1, February 1, March 1, April 1

Payments can be made in several ways, but most of our students choose to use the electronic check option through the Billing and Payment site. Get more information on payment options by clicking here.

What are Electronic Refunds?

Getting Electronic Refunds is simple. You provide us with your banking account information through a secure portal, and we will then transfer any credits on your student account directly to your bank account.

How do I sign up?

Visit and select “Students.”

  1. Sign in using your APU NetID and password.
  2. Click on “Overview” in the dashboard on the left side.
  3. Scroll down and select “Sign-up for Direct Deposit Refunds”
  4. Read the agreement and select “I agree.” Then, select continue.
  5. If you have an existing account listed, you can select that or select "New Bank Account" to enter the requested information including Account # and Routing #
  6. Check “Continue”
  7. See your enrolled status in the Electronic Refunds box and check your email for a confirmation.

Electronic Refund FAQ

I see a credit on my account.  When can I expect my Electronic Refund?

Most credits are refunded a week or two after the drop date for the semester in which the credit was created. Refunds are processed every Tuesday and Thursday for each week.

How long does it take for my Electronic Refund enrollment to be official?

It takes approximately 3-5 business days for your bank account information to be approved through your bank and for your account to be cleared to receive electronic refunds.

Does this Electronic Refund request expire each semester?

No, your Electronic Refund enrollment will remain active, until you cancel it.

What happens if I enter the wrong bank account information?

Our banking partner and Transact will process a “prenote” with the bank you list for your Electronic Refund. After verification is finalized, you will receive an email if there were any issues with your bank account information and what you need to do next. Please note that this process can take approximately 3-5 business days to finalize.

What is the most common error when completing an Electronic Refund?

The most common error is that the bank account information, usually account number, was entered incorrectly. In some cases, students enter their debit card number and not their bank account number. Your bank account number is NOT listed on your debit card.  Please access your account number by reviewing your bank account statement, looking at a check, or visiting your bank account online. 

Where can I find my routing number?

You can find your routing number on your paper or electronic check, online through your bank’s website (search routing number), or by calling your personal bank and answering several security questions.

Why did I receive a check instead of my Electronic Refund?

There are two possible reasons. The first is that your refund was processed before your bank account information was verified.  The Department of Education requires that some refunds are given to you in a timely manner. This requires APU to send you a paper check to avoid missing the deadline. The other possibility is that there was an error with your bank account; and we were unable to process an Electronic Refund, until you reentered your bank account information.

I'm an authorized payer. Can I enroll in Electronic Refunds?

No, at this time Electronic Refunds are only for students directly. If you are expecting a Parent PLUS Loan refund, a check will be mailed to you at the address you on your PLUS Loan Request. If you elected for your student to receive the refund, your student can sign up for Electronic Refunds through Transact to receive the refund electronically.

Planning to take a loan to pay for school?

Direct Loans:

These loans are offered to you by the federal government through your APU financial aid package. For more information about Direct Loans, visit the Student Aid website through the U.S. Department of Education.

To accept all or part of these loans:

  1. Log in to your portal at
  2. Click on the “Financials” tab.
  3. Click on “Accept/Decline Awards”.
  4. Accept the loans that you want to use for the academic year.
  5. If this is your first time taking a Direct Loan, you will need to complete your Online Entrance Counseling and Master Promissory Note (MPN) at

Parent PLUS Loans:

This loan is available for one of your parents to assist you in making payments towards your monthly bills. To apply, one of your parents must:

  1. Fill out the Parent Plus Loan Application.
  2. Sign the Master Promissory Note (MPN).

If approved, half of the amount that they requested will be applied to your fall charges; and the other half will be applied to your spring charges.

If the loan is not approved, you may be offered an additional Unsubsidized Direct Loan on your APU financial aid package.  Alternatively, your parent can find a co-signer and apply for the loan again, or appeal the loan denial.

Alternative Loans:

These are loans that you and/or your parents take from an outside lender, ie: banks, credit unions, etc.  Once this loan is approved/certified, it  will be added to your APU financial aid package.

Click here for help in finding an alternative loan.

There are many different ways students fund their education. On our website, we have helpful information and links to the various types of financial aid which can include:

  • Grants - free money that does not have to be repaid
  • Loans - borrowed money that requires repayment
  • Federal Work Study - a need-based government program offered to students who qualify
  • Outside Aid - free money in the form of scholarships that may be available outside of APU
  • Military and Veteran Education Benefits - VA education benefits offered to eligible military and military-connected students

FERPA: Protecting Your Privacy

“FERPA” refers to the “Family Educational Rights and Privacy Act”, which is a Federal law stating that your college academic and financial records belong to you and you only.  This means that no one else - including your parents - can contact APU and receive information about your grades, schedule, and financial situation without signed permission from you.

Areas that require consent for APU to share your information:

Financial, Student Life, Admissions, and Academic

  1. Select “My Profile” on your
  2. Click “FERPA Authorization.”
  3. Click “Add An Authorized Individual.”
  4. Type in the person’s first name, last name, and create a FERPA password. (Make the password something this person would know as they have to provide it when they call or email APU to discuss your account.)
  5. Select the categories of information you would like this person to have access to.
  6. Then, click “Save”.

Share the password with the person you authorized.

You have now given permission for this person to contact APU - including UG Enrollment Services Center - and receive information about your academic, student life, admissions, and/or financial account.

Keep in mind that certain types of information - like grades or your GPA - will NEVER be given out over the phone, even if the person has been given permission by you!

Student Health Insurance Plan

As a condition of enrollment, Azusa Pacific University requires all undergraduate students with 7 or more units or who are living on campus to have health insurance coverage.  If you fit into one or both of these categories, you will automatically be enrolled in the Azusa Pacific University Student Health Insurance Plan for the academic year.  The fee for this plan is per semester and is subject to change each academic year.

However, you may waive this insurance plan, if you have comparable health insurance coverage that provides access to health care near the APU campus in the event that emergency care, specialist care, or expensive testing is needed. (All undergraduate students will continue to have access to the APU Student Health Center.)  In order to opt out of the university health insurance plan and have the fee waived from your account, you must do so before the last day of Add/Drop.

To submit a waiver and opt out of the university health insurance plan:

  • Go to
  • Log in using your APU email address as your user name and your APU student ID number as your password (for first-time users).
  • Click on “Waive.”
  • Once your waiver is successful, you will receive a confirmation number.
  • Keep a copy of your insurance information with you.

If you miss the waiver deadline, you will automatically be enrolled in the Azusa Pacific University Student Health Insurance Plan for the entire academic year. Your student account will be billed in two installments: fall semester and spring semester.

Questions? Contact Gallagher Student Health and Special Risk.

Your To-Do List

You can view your To-Do List through your student portal at  You may or may not have any, but be sure to check it regularly because various offices on campus will post items that need to be completed.  Please note that there are negative outcomes for not completing the items on this list, ie: Registration Hold, Financial Aid Hold, etc.

Most of the To Do list items from the Student Services Center are placed there because the federal government has requested proof of verification from your FAFSA information.  The government randomly selects approximately 30% of our students every year and requests verification of their FAFSA.  Some students are asked to do this every year, while other students are never asked.  The verification documents that you are asked to confirm can also change each year.

A few of the most common To Do List items from Student Services Center

Loan Entrance Counseling:  When you accept a direct loan, you are required to complete an online entrance counseling session.  You can do this at

  • For Direct Loans, you will only need to complete the entrance counseling once during your time at APU. Be sure you are completing the Undergraduate Loan Entrance Counseling.

Direct Loan MPN (Master Promissory Note):  When you apply for a government education loan, you are required to complete a Master Promissory Note.  This is your contract with the government, in which you promise to repay the loan.  You can complete the MPN online at Be sure you are completing the correct MPN for the loan you accepted.

Parent PLUS Loan MPN (Master Promissory Note): If your parent applies for a PLUS loan and has been approved, they will need to complete this to-do list item in order for the loan to disburse.  They can do so online at


Verification Web Forms - If your FAFSA is selected for verification, you will be required to provide the requested documentation to resolve that to-do list item. The verification item may be for the parent, the student, or both. You will resolve this through your account

Note: Our office has up to 15 business days to review all documents submitted from the last day your last document was submitted.

Graduate and Professional Forms

The most commonly used financial aid forms are available below, arranged by academic year. These online forms allow you to easily print the forms and submit the information needed to complete your financial aid. To avoid delay or cancellation of your financial aid, complete any requested forms within two weeks of first being notified.

Discount and Benefit Forms

Other Forms