Past Due Balance Payment Plan FAQs

A past due balance payment plan is an interest-free payment arrangement for former students who have an outstanding student account balance greater than $250. This arrangement allows former students to pay down their balance in equal monthly installments over a specific term (see below), and avoid being assessed interest charges on their past due balance as long as they make their full monthly payments on time.

Students must meet the following eligibility criteria to request to enroll in a past due balance payment plan:

• Student is not enrolled in the current academic term
• Student owes a balance greater than or equal to $250 from prior terms, and
• Student account must be in collections with the University (the student has not already received a collections letter from the North Carolina Department of Justice or external collections agency) INTERNAL REFERENCE ONLY – We can tell this by seeing if the student’s delinquency code is either blank, “30,” “60,” or “90” on TSAACCT.

Yes, the number of monthly payments varies between past due balance payment plans. However, your total balance is considered when determining which past due balance payment plans are available based on the following guidance:

There is no fee to enroll in a past due balance repayment plan.

Students can only enroll by request. Please email ninercentral@uncc.edu to request to enroll in a repayment plan, specifying the number of monthly payments you prefer based on the eligibility table above. You can also call 704-687-8622 if you have any questions. If eligible, we will enroll you in the repayment plan and send you a confirmation email with the terms of the agreement. In the confirmation email, you will have to reply stating that you consent to the terms of the agreement before your agreement is effective. If you don’t reply within one week, your agreement will be terminated.

When you request to enroll in a past due payment plan, please specify your preferred email address if it is different from the sender address on the email you sent requesting to enroll. When we enroll you in the past due payment plan, we will add your preferred email address as an authorized user so you will be able to access your payment plan through the Authorized Payer page using that address. Once we add your email address, you will receive an email from TouchNet with your temporary password and log in link.

Please refer to the How to add an Authorized Payer instructions for information. Once an Authorized Payer is set up on your account or if they are already set up, they can request to enroll in a past due payment plan on your behalf by emailing ninercentral@uncc.edu and specifying your name and UNC Charlotte Student ID#. You and any authorized users can jointly make payments within the past due payment plan.

If you are an inactive student who doesn’t have access to My UNC Charlotte, please complete the “Consent for Access to Education Records” form found on this page for your parent. After this has been completed, your parent can reach out to us about setting up a repayment plan.

As long as you make your full monthly payment by the installment due date, you will not be charged interest. If you do not make a payment or only pay a portion of the amount due that month, your account will be subject to an interest charge based on the current interest rate set by the NC Department of Revenue. The current interest rate is calculated at 5% annually (0.41% monthly). If your account reaches 60 days or more past due, a one-time late payment penalty may also be assessed in addition to the monthly interest charges on your account. This one-time late payment penalty will be calculated as 10% of the outstanding principal balance.

Your account will not be transferred to these agencies unless you miss three monthly payments. Missing a monthly payment includes only making a partial as wellas non-payment. You will receive a past due letter from the University at your current mailing address after each missed payment. After three months of not paying the full payment, which does not have to be consecutive, your account will be referred to the North Carolina Department of Justice and your past due payment plan will be terminated.

If you no longer have access to My UNC Charlotte, you can email ninercentral@uncc.edu or call 704-687-8622 to ask about your current balance. If you are enrolled in a past due payment plan, you will always be able to see your current balance by logging into your past due payment plan through the Authorized Payer login page.

Enrolling in a past due payment plan does not mean your student account holds are removed. Your account balance must be paid in full to be able to register or access your diploma. Please note you may have to apply for readmission if it has been a year or more since you last attended. Your holds will be removed within 24 hours once your balance is paid in full.

Payments through any method will reduce your plan amount automatically. All payments, including those made outside of the plan, will be applied to your payment plan. Any payment you make toward an item on your plan (tuition, housing, etc.) will go toward your next plan installment.

Yes, you can pay any amount above the monthly payment if desired. If you do pay more, any excess payment over your monthly payment will be applied to your next installment.

You can make payments of any size toward your next installment at any time. If you would like to make a partial payment toward your next installment, you can go under the Payment Plan tab, select “Pay Next Installment” and then enter the amount you want to pay into the payment box.

Your first installment would be due one month after the date that you are enrolled into the repayment plan and subsequent installments would be due on the same date each month thereafter.

Partial payments and missed payments will be shown as late and will need to be paid off immediately.

If you miss or make a partial monthly payment, you may be charged interest. The interest charge will be evenly distributed amongst your remaining monthly payments.

Missing three monthly payments, making three partial monthly payments or any combination of the two (they do not have to be consecutive months) will result in your payment plan being terminated and your account being referred to the North Carolina Department of Justice for additional collection efforts.

Once your plan is paid in full, the agreement will be terminated. As a current student, you will have the option of enrolling in a payment plan for the current term. Please refer to our Payment Plan webpage for additional information.