Kirtland Community College

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Monthly Payment Plan

To help you meet your educational expenses, Kirtland Community College is pleased to provide a monthly payment plan offered through Nelnet Campus Commerce. Instead of paying your tuition bill in one lump sum, you may budget your tuition and fees for up to five months (fall/winter). This is not a loan program, so there is no debt incurred, no credit search, and no interest or finance charge assessed on the unpaid balance. The sooner you register for classes and begin your payments, the smaller your monthly payments will be.

How it Works

Students with a minimum balance of $100 can enroll in the payment plan. Upon enrollment, you are simply authorizing Nelnet to automatically process tuition payments from your financial institution or to make monthly charges to your credit card.

The only cost to budget monthly payments through Nelnet is a $30.00 per semester non-refundable enrollment fee. All payments will be processed on the 5th of each month and will continue until the amount due to Kirtland is paid in full. You may budget your tuition in one of two ways:

Automatic Bank Payments (ACH)

With this option, there’s no more hassle of writing and mailing checks by the due date or having to pay in person to avoid a late fee. Your financial institution will make all the monthly payments on your behalf, from either a checking or savings account, based on the information entered on the agreement.

Credit Card Payment

VISA, MasterCard, Discover, and American Express are all accepted. If you select this option, all the monthly installments will automatically be charged to the credit card designated on the agreement.

How to Enroll

Once registered for classes, decide if you want to pay by checking, savings, or by credit card, and complete the online application. The following is a list of information needed to complete the agreement:

Automatic Bank Payments

Student ID Number & myKirtland password
E-mail of the person responsible for making the payments
Bank Name & telephone number
Bank Account number
Bank Routing number

Credit Card Payments

Student ID number
E-mail of the person responsible for making the payments
Credit card number
Expiration date

After registering for classes, complete the online application using your home computer. Computers are also available to students at the Grayling and Gaylord locations.

  • Simply log in to myKirtland
  • On the blue header, select Student
  • Go to the My Account Detail window, verify the semester, and click the Submit button.
  • At the bottom of the tuition bill, select the “Make a Payment” link and follow the on-screen instructions. 
  • If a valid e-mail address is provided, an immediate acknowledgment will be sent confirming your application has been received. Payment reminders and balance updates are also emailed.

A down payment may be required depending on when you enroll in the plan. The down payment will be processed immediately according to the payment method selected.

Monthly Payment Schedule

Summer 2025 Semester

Students Registering for Classes on:
Payment Plan enrollment
is Due by:
Required Down
Payment:
Installments are Due on the 5th Day of Each Month
Mar 31 - May 5
May 5
35%
June & July
May 6 - May 21
Day of Registration
35%
June & July
May 22 - June 20
Day of Registration
50%
July only

Fall 2025 Semester

Students Registering for Classes on:
Payment Plan enrollment
is Due by:
Required Down Payment:
Installments are Due on the 5th Day of Each Month
Mar 31 - July 2
July 2
none
July - Nov
Mar 31 - July 31
July 31
none
Aug - Nov
Mar 31 - Aug 4
August 4
25%
Sept - Nov
Aug 8 - Aug 22
Day of Registration
25%
Sept - Nov
Aug 23 - Sept 25
Day of Registration
40%
Oct & Nov

Winter 2026 Semester

Students Registering for Classes on:
Payment Plan enrollment is Due by:
Required Down Payment:
Installments are due on the 5th Day of Each Month
Nov 3 - Dec 15
December 15
20%
Jan - Apr
Dec 19 - Jan 26
Day of Registration
25%
Feb - Apr
Jan 27 - Feb 23
Day of Registration
40%
Mar & Apr

In case of a missed payment, a $30 missed payment fee will automatically be processed through the banking institution. The tuition installment will be reattempted on the 20th of the month. Missed payment fees are payable to Nelnet for each payment attempt that is missed. Your bank or credit card company may also assess a fee. Missed payment notifications are sent from Nelnet to the email provided on the application.

Should your down payment fail, Nelnet will terminate the agreement, and a new application will need to be completed. 

Payment Plan FAQ

No one other than your own financial institution and you ever has access to your account. When you arrange to have an automatic payment through Nelnet Campus Commerce, you have authorized a specific payment amount to be paid on a specific date by your bank.

No. Nelnet acts as an agent for institutions in administering their payment plans. It is the policy of Nelnet to protect all personal and financial information provided to us by all participants. Nelnet does not sell or share any nonpublic personal information or client lists to any third party, except as agreed to by you, or as may be necessary to complete a transaction in the ordinary course of business, or as required under applicable law.

Once your agreement is posted to the system, you will receive a confirmation e-mail and you can access your Payment Plan account through myKirtland to review your scheduled payments dates and amounts. 

To help protect your privacy, Nelnet asks you to create an access code. If you should contact Nelnet via phone or the Web concerning your agreement, you will be required to verify your Access Code. If you do not create this code on your application, one will be randomly assigned to you.

Nelnet specifies the date each payment will occur but it’s up to your financial institution to determine the time of day the payments are debited. We recommend you check with your financial institution to determine how far in advance funds should be deposited into your account to ensure the payment clears.

If there is a balance remaining on your student account after the financial aid is applied, Nelnet will continue to process the payments (possibly a reduced payment) on your behalf until Kirtland Community College is paid in full. However, if the financial aid is equal to or greater than your expenses, Kirtland Community College will notify Nelnet that you are no longer required to make payments.

If the balance changes due to adding or dropping classes, the installment amount will automatically be updated by Kirtland’s Student Financial Services Office.

If the payment date falls on a weekend or banking holiday observed by the Federal Reserve, the payment will be attempted on the next business day. Although Nelnet specifies the date each payment will occur, it is the responsible party’s financial institution that determines the time of day the payment is debited to the account.

You can log into your Payment Plan account using the same link you enrolled at located in Mykirtland. Students can pay towards their next installment or completely pay off the balance at any time.

If you drop during the refund period, the college will notify Nelnet to cancel the agreement. If you drop classes after the refund period has ended, you will be responsible for the balance remaining on the account. Nelnet will continue to make payments on your behalf.

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