Finance Handbook Academic Year

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1 Finance Handbook Academic Year

2 CONTENTS 1. Fees and Charges 2. Living Costs 3. Methods of Payment 4. Regulations 5. Form - Payment Plan 1 6. Form - Payment Plan 2 7. Form - Payment Plan 3 8. Form Payment by BACS 9. Form Standing Order Version 1.0 2

3 Fees and Charges Tuition Fees Taught (PGT) For academic year 2012/2013, tuition fees for all full-time students (both Home/EU and Overseas ) enrolled on taught programmes (i.e. MA IR, MA EPP, LLM IL/IR, MA IM etc) are 16,000 and for all part-time students (both Home/EU and Overseas ) they are 8,000. The tuition fees for part-time students are always half of the fee for full-time students in the same year of study. Therefore if full-time tuition rises in the second year of a part-time student s study, that student would be charged half of the new full-time tuition. Tuition Fees Research (PGR) For academic year 2012/2013, tuition fees for all full-time students (both Home/EU and Overseas ) enrolled on research programmes (PhD) are 8,400 and for all part-time students (both Home/EU and Overseas ) they are 4,200. The monthly fee in the extension year is In the exceptional circumstances of a student entering a second extension year the monthly fee is 175. Individual Module The cost of taking an individual module is 2,285 Textbooks and Readers All readers and syllabi are available to view or download on Moodle, the University of Kent s Virtual Learning Environment (VLE). Students are encouraged either to purchase their own printer or to use one of the many print shops which can be found a short distance from the University s premises. Prices vary in these shops between and per sheet depending on the quantities required. Students can also print on the university s premises using their Kent ID card, which can be recharged in the administrative office. The cost of this printing is per sheet irrespective of quantity. For some modules students are required to purchase a particular textbook; details can be found on the relevant syllabus. Although students do get a 15% discount from Waterstones in Brussels on these books, we would recommend doing a price comparison with Amazon. If purchasing books through Amazon, remember to use an EU based site (amazon.co.uk, amazon.de) to avoid paying import duty. The cost per module for textbooks is unlikely to be more than 50, so students should budget no more than 300 per books. Additional Charges The following fees may also be levied where appropriate: Late Enrollment or Module Registration Lost Student ID Card Transcripts The fee for failure to register for all modules by the deadline published in each term is 50. The fee for replacing a lost student ID card is 20 Students can obtain copies of their transcripts online using the 3

4 university s secure documents system at no charge ( however replacement paper transcripts, through the Student Records Office ( cost 13 per copy. Degree Certificate The cost of a replacement degree certificate is 50. Building Access Card Late Payment A deposit of 30 is required for a building access card. The deposit will only be refunded if the card is returned before the end of the period of registration. The charge for late payment is days after the late payment charge has been levied, and in the event that no new payment plan has been agreed, an additional monthly interest charge of 1.5% will be charged on any outstanding balance. 4

5 Living Costs The costs of living in Brussels can vary enormously depending on in which commune you choose to live, the type and availability of accommodation and your lifestyle. Our estimates are based upon a student living modestly in a one bedroom apartment in a decent neighbourhood: Accommodation: 500 per month Food: : 250 per month Other expenses: 250 per month The above 1000 per month does not take into account travel home or around Europe, nor does it account for any additional costs incurred on arrival. For instance you need to be prepared to place 3 months rent into a dual signature account (landlord and tenant) as a deposit as well as factor in the cost of temporary accommodation on arrival (hostel/hotel). There are lots of internship opportunities in Brussels and indeed many students undertake one whilst completing their chosen programme of study; however they are not especially well-paid. Furthermore, although students are able to work for up to 20 hours per week in Belgium, it is not always easy to find a well paid job without the ability to speak French and Flemish. That said, many of the jobs in the international institutions, and those companies clustered around them, require English and one other European language but these posts are sought after and hard to secure. For these reasons, we recommend that students consider their budget for the entire course of study carefully, and take these factors into account when applying for loans and financial aid. That is not to say that you won t secure paid work or a paid internship whilst in Brussels, many do, we just don t think that you should rely on it. 5

6 Methods of Payment The University is currently only able to accept two methods of payment. It is NOT possible to pay fees in cash. Bank Transfer IBAN - BE BIC BB RU BE BB When paying by bank transfer, please ensure that you mention clearly the name and student number of the student whose account is to be credited in the relevant memo section. Note that international transfers may incur bank charges and that your account will be credited with the amount received by the University; net of any wiring or transfer fees. It is your responsibility to ensure that the correct amount arrives in the University s account, and doesn t simply leave your bank account!. The University s International Bank Account Number (IBAN) and Bank Indicator Code (BIC SWIFT) are shown above. Additional details that may be required to affect a transfer are: Account number: Account name: University of Kent s BSIS Bank Name: ING Bank Bank Address: Pleinlaan Brussels, Belgium Telephone: Fax: Visa or MasterCard Credit card payments can be made in person or by calling the office on or Skype:bsisbrussels. Please note that no matter what a card s available credit, substantial payments from foreign cards to a Belgian account may require pre-clearance with your card company. Please consider this before making a payment. 6

7 Finance Regulations Students must pay their tuition fees in accordance with one of the following three payment plans: Payment Plan 1 attracts a 2% discount from the tuition fees if funds are received in full by the stipulated date in the payment plan. Payment Plan 2 allows students to split payments into three installments. Those students banking with ING should complete the enclosed Standing Order Form and submit it to their bank. This plan does not attract a discount. Payment Plan 3 is only for those students who have taken out an educational loan the disbursement of which is done through Travelex. At present this only relates to Federal Educational Loans (Direct Loan and Plus Loan) although the scheme may be extended to include other lenders. All student loans are handled by the University s Foreign Loans Office on the Kent campus and it is to them that all questions, concerns and queries should be addressed or fax: ). Once a loan has been authorized students will receive an from Foreign Loans detailing the total amount loaned and the disbursement dates. They are then to complete the enclosed Bankers Automated Clearing System (BACS) form and return it to Foreign Loans, only once this is received may the loan be drawn down. The USD loan is converted to EUR by Travelex at the market rate on the day that the money is drawn down from the lender. The University will remove part of the tuition fee as stipulated in the Payment Plan and the remaining balance will then be transferred into the student s Belgian bank account. All students are to complete one of the above Payment Plans and submit the relevant form to the Finance Administrator by the dates below: Students starting in September On or before 21 Sep 2012 Students starting in January On or before 11 Jan 2013 Failure to return a Payment Plan Form on time may result in deregistration from the University. In addition, once a payment plan has been selected, please approach your responsibilities for fulfilling it seriously: substantial penalties can apply as a result of an error or oversight. Tuition fees are due on or before the dates specified in each payment plan, which means that the payment should reach the university s bank account on or before the dates specified. Failure to meet these deadlines for any reason (including failure to allow adequate time for international funds transfers, credit card difficulties etc), will result in an automatic late payment fee of 100 being added to the total outstanding at the end of the month your payment was due; a charge of 1.5% per month will then be levied on the total balance outstanding beginning 30 days after the initial charge was levied. In addition, in accordance with University of Kent Regulations, your registration status may be reviewed if payment is not received on time. 7

8 A Status Letter, confirming your registration as a student and necessary to register with your commune, can only be issued after the first tuition installment has been received. Students may therefore wish to make their first payment well in advance of the tuition fee due date. Tuition fee invoices and payment statements can be sent to the student s Kent address but only on request by to It is entirely the responsibility of the student to ensure that the correct amount reaches the University bank account on or before the date agreed. We recommend that students allow adequate time for international funds transfers, and that they check with their bank to ensure that the total amount will be received by the University net of any bank charge. 8

9 PAYMENT PLAN 1 (To be completed and returned to the UKB Office by 21 Sep 2012 for those starting in Sep 2012 or 11 Jan 2013 for those starting in Jan 2013). Name Student Number I wish to pay under the terms of Payment Plan 1 which attracts a 2% discount from the tuition fees if funds are received in full by 28 Sep 2012 (Sep 2012 students) or by 18 Jan 2013 (Jan 2013 students). Please initial the appropriate box according to your mode of study. In doing so you will be confirming the amount due and the date by which payment is to be made. Tuition Tuition after Sep 2012 Jan 2013 Initials Study Mode Fee discount Students Students Full-time Taught Part-time Taught Full-time Research 16,000 15, Sep Jan ,000 7, Sep Jan ,400 8, Sep Jan 2013 Part-time Research 4,200 4, Sep Jan 2013 Please read the statements below and place your initials in the box to the side to confirm you have read them: Initials I intend to take advantage of the discount of 2%; I understand that this discount will only be credited to my account if payment reaches the School by the dates above (i.e., if tuition reflecting the discount is received late, a balance of 2% will remain due). I understand that in taking advantage of the 2% discount, I should transfer my tuition fees net the discount, so that the University does not have to refund me money later. I understand that no reminders will be sent for any payments due; in addition, I have read and understand all financial regulations. I understand that I will be liable for the payment of any unpaid charges which have been incurred through my attendance at the University of Kent. This includes any items remaining unpaid by my sponsor. I further understand that late fees will be charged on any payments not received by the School on time, and I cannot progress or graduate with unpaid debts to the School. Signature Date PLEASE RETAIN A COPY AS A REMINDER OF PAYMENT DATES, INSTRUCTIONS AND OTHER DETAILS 9

10 PAYMENT PLAN 2 (To be completed and returned to the UKB Office by 21 Sep 2012 for those starting in Sep 2012 or 11 Jan 2013 for those starting in Jan 2013). Name Student Number This payment plan allows the students to spread tuition fee payments across the year of study. Students who bank with ING should complete the enclosed Standing Order Form and submit it to their bank. Students who do not bank with ING are encouraged to set up a standing order payment to ensure that they meet the payment plan deadlines. Please initial the appropriate box according to your mode of study. In doing so you will be confirming the amount due and the dates by which the payments are to be made. Initials Study Mode Full-time Taught Part-time Taught Full-time Research Part-time Research Tuition Fee 28 Sep 2012 Sep 2012 Students 18 Jan May Jan 2013 Jan 2013 Students 3 May Oct ,000 5,334 5,333 5,333 5,334 5,333 5,333 8,000 2,668 2,666 2,666 2,668 2,666 2,666 8,400 2,800 2,800 2,800 2,800 2,800 2,800 4,200 1,400 1,400 1,400 1,400 1,400 1,400 Please read the statements below and place your initials in the box to the side to confirm that it has been read: Initials I agree to pay the tuition fees according to the above timetable and will complete and submit the attached Standing Order Form if I bank with ING. I understand that no reminders will be sent for any payments due; in addition, I have read and understand all financial regulations. I understand that I will be liable for the payment of any unpaid charges which have been incurred through my attendance at the University of Kent. This includes any items remaining unpaid by my sponsor. I further understand that late fees will be charged on any payments not received by the School on time, and I cannot progress or graduate with unpaid debts to the School. Signature Date PLEASE RETAIN A COPY AS A REMINDER OF PAYMENT DATES, INSTRUCTIONS AND OTHER DETAILS 10

11 PAYMENT PLAN 3 (To be completed and returned to the UKB Office by 21 Sep 2012 for those starting in Sep 2012 or 11 Jan 2013 for those starting in Jan 2013). Name Student Number This payment plan is currently only for US students who have taken Federal Educational Loans (Direct Loan and Plus Loan). All student loans are handled by the University s Foreign Loans Office on the Kent campus and it is to them that all questions, concerns and queries should be addressed or fax: ). Please initial the appropriate box according to your mode of study. In doing so you will be confirming the total amount due and the amounts which will be removed from each loan disbursement. If the loan is disbursed in less than 3 disbursements the amounts will be adjusted accordingly. Initials Study Mode Full-time Taught Part-time Taught Full-time Research Part-time Research Tuition Fee Sep 2012 Students Jan 2013 Students 1 st 2 nd 3 rd 1 st 2 nd 3 rd 16,000 5,334 5,333 5,333 5,440 8,000 2,560 8,000 2,668 2,666 2,666 2,720 4,000 1,280 8,400 2,800 2,800 2,800 2,856 4,200 1,344 4,200 1,400 1,400 1,400 1,428 2, Please read the statements below and place your initials in the box to the side to confirm that it has been read: Initials I agree to the removal of my tuition fee from my loan disbursements as detailed above and will submit the BACS form to Foreign Loans to enable the money to be drawn down by Travelex. I understand that I will be liable for the payment of any unpaid charges which have been incurred through my attendance at the University of Kent. This includes any items remaining unpaid by my sponsor. I further understand that late fees will be charged on any payments not received by the School on time, and I cannot progress or graduate with unpaid debts to the School. Signature Date PLEASE RETAIN A COPY AS A REMINDER OF PAYMENT DATES, INSTRUCTIONS AND OTHER DETAILS 11

12 BACS PAYMENT (To be completed and returned to the UKB Office for onward transmission to Foreign Loans) Once a loan has been authorized students will receive an from Foreign Loans detailing the total amount loaned and the disbursement dates. They are then to complete this Bankers Automated Clearing System (BACS) form and return it to Foreign Loans, only once this is received may the loan be drawn down. The USD loan is converted to EUR by Travelex at the market rate on the day that the money is drawn down from the lender. The University will remove part of the tuition fee as stipulated in the relevant Payment Plan and the remaining balance will then be transferred into the student s Belgian bank account. Student Details Surname First Name Student Number Address Academic School University of Kent, Brussels School of International Studies Bank Details Bank Name Bank Account Number IBAN Number BIC/SWIFT Additional Banking Details I confirm that these are my correct bank details and I authorize the Income Accountant to deduct tuition fees and accommodation charges from my federal and private student loans and credit the remaining funds to this account Signature Date PLEASE RETAIN A COPY AS A REMINDER OF PAYMENT DATES, INSTRUCTIONS AND OTHER DETAILS 12

13 STANDING ORDER FORM (To be completed and returned to your ING branch) Please execute the order below by means of debit from my account: Instructing Party: Name Bank Account Number Branch Beneficiary: Name University of Kent s BSIS Bank Account Number Address ING Bank, Pleinlaan 2, 1050 Brussels Amount and Due Dates: Using the form at Payment Plan 2 insert the amounts and dates on which the transactions are to take place Date Amount Message: Name Student Number Signature Date PLEASE RETAIN A COPY AS A REMINDER OF PAYMENT DATES, INSTRUCTIONS AND OTHER DETAILS 13

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