explaining in an open, transparent and accessible way how the University will treat students who have outstanding debt owed to the University.

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1 University f Stirling Student Payment Plicy 1. Intrductin This dcument sets ut the University s plicy in relatin t the cllectin f student fees and charges payable t the University by current and frmer students fr the use f its facilities and the prvisin f its services. 2. Purpse The purpse f this plicy is t ensure that the University cllects the amunts that are due t it. The plicy als aims t fulfil the fllwing bjectives: explaining in an pen, transparent and accessible way hw the University will treat students wh have utstanding debt wed t the University. demnstrating what actins students can take t mitigate any steps likely t be taken by the University t recver utstanding debt. applying a student debt plicy that is firm but fair"; that encurages all students t pay in gd time, but has the flexibility t recgnise and respnd apprpriately when this is nt pssible because f a genuine difficulty. 3. Supprt t Students In applying this plicy, the University will at all times seek t be sympathetic t individual students financial circumstances. Hwever fr the University t d s, students must engage in dialgue with the University if they are experiencing financial difficulties. Students experiencing difficulties in paying any fees and charges shuld seek financial advice at the earliest pprtunity by cntacting a Student Advisr in Student Supprt Services, either: by by telephne n r visiting the Student Mney Advice Team during pening hurs. 4. Cmmunicatin with students Frmal dcuments such as invices, credit ntes, statements and reminders will be sent electrnically t the University student address which is the fficial methd f cmmunicatin t students. Students must access and use this accunt regularly. As the main bject is t make cntact with the student the University may als cntact students: using any phne number prvided by the student using any alternative address prvided by the student

2 by letter t the hme and /r term address prvided by the student 5. Methds f Payment The University ffers a wide range f payment methds t allw students t pay fees and charges quickly and securely. Full details and access t the varius methds is available at: 6. Student Tuitin Fees Students becme liable fr the payment f the full tuitin fee n enrlment t a prgramme f study. The tuitin fee liability can be discharged via the fllwing ptins: Optin 1: Nminating a spnsr t pay tuitin fees Many students will have tuitin fees paid by a spnsr r funded by gvernment financial supprt (family members r friends d nt cunt as spnsrs). Spnsred students are required t prvide evidence f spnsrship prir t enrlment s that an invice can be issued t the named persn r rganisatin. Hwever this is nt required fr UK r EU students with a cnfirmed award frm SAAS r a tuitin fee lan frm SLC which cvers the full tuitin fee liability. The University will cmmunicate with these rganisatins and payment will be received directly frm them n behalf f the student. Where a spnsr is nly part paying the fees, the student will be required t pay the remainder. Where a student has cnfirmed that they will be funded by a spnsr then the University will request payment frm the spnsr. If the spnsr withdraws financial supprt r fails t pay all r any part f the fees the student remains liable and will have t pay any amunt utstanding t the University. The University reserves the right t decide which rgansiatins r cmpanies it will accept as apprved r fficial financial spnsrs. If a spnsr is nt paying the tuitin fee the student is classified as self-funding fr payment purpses. The University recgnises that self-funding students need flexibility when paying fees and as such a range f payment ptins is made available t these students.

3 Where a student has paid a tuitin fee depsit prir t enrlment any such depsit will be ffset against tuitin fees fr the academic year and the balance f the fee will becme due n enrlment. Optin 2: Payment in Full Fees can be paid in full in advance r at enrlment, students wh d s will qualify fr a prmpt payment discunt f 3%. This discunt des nt apply t: students wh are being charged per mdule fr their prgramme f study r t any third party spnsr where students have ntified the University their fees are being paid by the spnsr. r when fees are being paid by the Scttish Awards Agency r Student Finance England/Nrthern Ireland/Wales Optin 3: Flexible Payment Plans The University des prvide the pprtunity fr self-funding students t pay tuitin fees by interest free payment plans prvided the amunt due is greater than r equal t 250. Semester Plan this plan cllects tw semester instalments in September and January Mnthly Plan this plan allws the tuitin fee t be paid ver equal mnthly instalments: Undergraduate paid ver eight equal mnthly instalments between September and April Pstgraduate paid ver twelve equal mnthly instalments ver the perid f study The instalment prvisins may be withdrawn frm a student if the payment due dates are nt met. The University f Stirling has the right t request credit references either frm students r cmmercial rganisatins at any time, and can als withdraw r refuse instalment facilities if such references are unsatisfactry r if the student has previusly fallen int arrears f payment t the University f Stirling within the current, r any previus academic year. 7. Withdrawal frm the University befre cmpletin f studies In the event f a student having t withdraw befre the end f their prgramme f study, The University perates a tuitin fee refund plicy which can be fund at The refund will be made using the same payment methd as the riginal payments in line with mney laundering legislatin.

4 8. Student Accmmdatin fees Accmmdatin ffered by Accmmdatin Services is dependent n the student signing an ccupancy agreement fr the perid f accmmdatin and agreeing t a payment plan t cver the accmmdatin fees. Accmmdatin fees can be paid in 1, 2, 6, r 8 mnthly instalments. Infrmatin regarding student accmmdatin, including terms and cnditins, and payment f residences rents is available at: 9. Other fees and charges Payment fr the use f ther University facilities r prvisin f resurces must be paid in accrdance with the agreed payment terms and cnditins. These include (but are nt limited t) library debts and fines, late payment charges, repayment f emergency r hardship lans, sprts centre memberships and graduatin fees. 10. Nn-Payment f Fees and Charges Where there are utstanding fees and charges due t the University frm students, the University will instigate debt recvery prcesses. These will be triggered, a) where an invice fr fees r charges is nt settled by the due date, r b) where a payment in accrdance with an agreed instalment plan is nt received. This prcedure seeks t encurage payment f utstanding student debts by facilitating dialgue leading t agreement n the reslutin f debts: but als t take such actin against student debtrs as may be necessary t ensure equitable treatment f all students required t pay fees and charges. The debt recvery prcesses are detailed in Appendix A and will be fllwed where debt is identified. The prcesses in relatin t tuitin fee and academic related debt may include academic sanctins, withdrawal frm the Prgramme f Study, and instigatin f legal actin t recver sums wed. The prcesses in relatin t accmmdatin debt include ntice t quit frm accmmdatin and instigatin f legal actin t recver sums due. 11. Right f Appeal Students can submit an appeal in writing abut their payment plan, utstanding balance r any additinal charges t the Directr f Finance.

5 Appendix A Cllectin Prcesses t be fllwed fr Late r Nn Payment f fees and charges The fcus f debt cntrl prcedures will be t enter in t a dialgue as sn as pssible with students experiencing financial difficulty t lead t a mutually satisfactry reslutin f the debt situatin. Students experiencing difficulties in paying any fees and charges shuld seek help at the earliest pprtunity by cntacting a Student Advisr in Student Supprt Services. If a student fails t enter int such a dialgue r fails t hnur agreements t pay, academic sanctins may be applied. Prprtinate actin t enfrce settlement f debt fr utstanding fees and charges will be taken against current and frmer students wh have failed t engage t find a slutin t any utstanding debt issues, r wh have failed t hnur agreements t pay Tuitin Fees and academic related charges Day 0 (due date) Day 15 (wrking days after due date) Finance staff cntact the student (nrmally by reminder t the students University accunt but als by any ther cmmunicatin mechanism available) requesting payment f the utstanding amunt within 15 days frm the date f the reminder. Students will be invited t cntact the Student Supprt Services in the first instance if they are experiencing financial difficulties t discuss their payment prblems and arrange a suitable payment plan if applicable. The reminder will set ut the implicatins if debts are nt paid when due, by reference t this plicy n the University s website. Day 30 (wrking days after due date) If there is n respnse t the first , Finance will issue a secnd reminder t the student advising them that if n payment is received within 15 days academic sanctins may be applied which will include sme r all f the fllwing: a) Student s Library brrwing rights withdrawn. b) Withhlding cursewrk and examinatin results. c) Enrlment with the University fr the fllwing year nrmally prevented (unless satisfactry arrangements have been made with Finance fr repayment) d) The University reserves the right t insist that full r partial fees are paid upfrnt prir t cmmencing subsequent year f study, where there has been histric and cnsistent evidence f pr payment. e) University letters relating t academic perfrmance, frmal transcripts, diplmas and certificates nrmally withheld. f) Prevented frm graduating. Hwever the University will nt impse sanctins whilst gd-faith discussins are ging n with the student cncerned.

6 Day 45 (wrking days after due date) If there is n respnse t the 30 day reminder , Finance will issue a cnfirmatin t the student advising them f the sanctins applied. This reminder will state that if after a further 15 days the debtr fails t make payment, fails t make a suitable arrangement t discharge the debt, r fails t implement an agreed arrangement a letter will be issued advising that the student may be excluded frm the University and asking him/her t cntact Finance as a matter f urgency. Student Supprt Services will endeavur t make cntact with the student t ensure that there are n welfare issues underlying the students failure t engage with the University. Day 60 (wrking days after due date) Where the Finance Office has made every reasnable effrt t btain payment and where it is apparent that the student is unlikely t pay the amunt wed a letter will be issued advising that the student may be excluded frm the University and asking him/her t cntact Finance as a matter f urgency. This letter will state that if after a further 15 days the debtr fails t make payment, fails t make a suitable arrangement t discharge the debt, r fails t implement an agreed arrangement a letter will be issued advising that the student may be excluded frm the University and asking him/her t cntact Finance as a matter f urgency. A separate letter will be sent t Internatinal students advising them f the University s bligatin t reprt them t the Hme Office shuld they be excluded. Day 75 (wrking days after due date) Finance staff will issue a final t the student ntifying them that the final step fr exclusin frm the University will be put in place. The cnsequences f this actin will be explained t the student: They will n lnger be classified as a student f the University They will be unable t use any f the teaching and learning facilities Details f their utstanding accunt will be passed t a cmmercial debt cllectin agency t btain the payment due t the University and they will be liable fr all csts incurred in raising this actin The University may als terminate any University Accmmdatin Occupancy Agreement n giving 28 days ntice in the event that the ccupier ceases t be a registered student at the University. An excluded student wh settles his/her academic debt wed t the University may apply fr re-admissin as a student, and such an applicatin will be cnsidered n an individual basis. A frmer student whether he/she has left the University fllwing exclusin r therwise, remains liable fr debts t the University. If the debt remains unpaid, r an agreed repayment plan is nt hnured, the University will cntinue t take measures t recver the debt, including the use f external debt-cllectin agency.

7 Accmmdatin Fees Day 0 (Due Date) Day 5 (wrking days after due date) Accmmdatin services will issue an asking the student t pay any arrears within 5 days frm the date f the reminder. Day 10 (wrking days after due date) If there is n respnse t the first Accmmdatin services will issue a secnd e- mail asking the student t attend an interview with Accmmdatin Services staff in rder t discuss the arrears psitin. Day 15 (wrking days after due date) If n payment plan is agreed r the student fails t adhere t an agreed plan r if the student fails t cntact r attend the meeting then the student will be asked t attend an interview with the Head f Accmmdatin Services. A failure t attend the meeting with the Head f Accmmdatin Services r make payment in accrdance with an agreed plan, will result in a Ntice t Quit being issued n their ccupancy agreement. This gives 28 days fr the student t leave their accmmdatin. Any accmmdatin debtr will nt be ffered accmmdatin in subsequent years nr be eligible t apply fr a reference frm the University fr private letting. The University will cntinue t take measures t recver the utstanding debt at the Terminatin Date, including the use f an external debt-cllectin agency.

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