Payment and Financial Options

American College of Education offers the following payment options that students may qualify for to help pay their program tuition and fees. Each student must declare a payment method following completion of the enrollment agreement.

Students have the following payment options:

  • Payment in Full: Make one payment covering the entire program cost and fees. By paying in full, the payment processing fees can be avoided.
  • Monthly Payment*: Make monthly payments over the length of a program. Total tuition and fees, plus a $100 Origination Fee, will be divided by the length of your chosen program to determine the monthly amount due. $518 or less per monthFor example, a 34-credit master's program, paid for in monthly installments, would cost approximately $517.94 per month.                                                                                                                                                                                                  
  • Payment Course-by-Course: Pay program tuition and fees one course at a time. A Payment Processing Fee for each unpaid course will be assessed under this payment method.
  • School District Partnership Agreements: Under a partnership agreement between American College of Education and a participating school district, full-time employees of the participating district who pursue a degree at ACE are eligible for reduced tuition rates. Please see your district administrator for more information and to find out if your district has a partnership with ACE.
  • Third-Party Financing: Some students may qualify for a private loan through a third-party lender. Funds received from the lender may be used to either make payment in full or by installments as described above.
  • In-School Deferment of Prior Federal Loans: For students** in qualifying ACE programs,*** prior federal student loans may be deferred while attending ACE. Please visit the tuition page for more information.

Tuition and fee payments

All tuition and fees are due the Friday prior to the first day of each course. Payment will be accepted without penalty until the Friday after the first day of each course. 

Students from whom payment has not been received by the deadline will be administratively withdrawn from the College for nonpayment and may either submit a Re-Entry Form to reinstate their Active status for a future term, or pay the $100 Reinstatement Fee to remain enrolled in the current term.

American College of Education reserves the right to report failure to pay tuition and fees to one or more national credit bureau organizations. Diplomas, official transcripts, or program completion verifications to state agencies will not be issued until all financial obligations are paid in full.

Three-day cancellation

Students who provide written notice of cancellation within three days (excluding Saturday, Sunday, and federal and state holidays) of paying tuition, the Technology Fee, and/or the Payment Processing fee are entitled to a refund of all monies paid. Refunds will be provided within 30 days of receiving notice of cancellation.


Current fees outside of tuition include:

  • $25 nonrefundable Payment Processing Fee for students who do not pay the full program tuition at the time of enrollment assessed at the beginning of each unpaid course
  • $100 nonrefundable Origination Fee for students who choose to participate in the monthly payment plan program.
  • $215 Internship Extension Fee; charged every five weeks if internship is not completed as scheduled. Additional fees will be included as applicable.

Students reported to the Registrar’s Office after the final payment deadline for nonpayment of tuition and fees–including the conferral fee as applicable–will be administratively withdrawn for nonpayment.

For new and continuing students who wish to remain enrolled during the current term from which they have been administratively withdrawn for nonpayment, ACE implemented a nonrefundable $100.00 Reinstatement Fee effective October 1, 2014. Please note this fee is in addition to any tuition and fees due during the current term.

To remain enrolled, contact the Bursar’s Office at 1-800-280-0307, Option 3 no later than Tuesday, Week 2, from 9:00 a.m.-6:00 p.m. EST to satisfy any outstanding balances and to pay the $100.00 Reinstatement Fee. Payment of the fee will only be accepted by credit card.

Refund policy

In order to be eligible for a refund of tuition paid, an applicable form (available here) must be received prior to the Drop Deadline – 11:59 CST the first Friday of the course.

Please note some states have mandated refund and withdrawal policies by which ACE must abide. Please refer to the Graduate Student Catalog and Addendum to determine if your state has such a policy.

*Monthly payment plans are currently available to residents in the following states only: California, Colorado, Connecticut, Florida, Georgia, Illinois, Maryland, Nevada, New Jersey, New York, Ohio, Pennsylvania, Texas, Washington.

The Monthly Payment Plan should be selected if you would like to make monthly payments over the length of the program. Total tuition and fees plus a $100 Origination Fee will be divided by the length of your selected program to determine the monthly amount due. All payments are due by the 15th of each month. 

Estimated Payment amounts are as follows: $536.33/mo. for 31-credit master's programs; $517.94/mo. for 34-credit master's programs; $548.89/mo. for 34-credit MAT Elementary and Secondary programs; $608.72/mo. for 64-credit doctorate programs; $703.44/mo. for 37-credit specialist programs. All figures are total cost including ACE fees, except any applicable servicer fee. Certificate programs and Students-at-Large are not eligible for the monthly payment plan. Three-day cancellation options are not applicable to the monthly payment plan.  

If you request a Leave of Absence per standard College policy, scheduled monthly payments will not be suspended or deferred. Following submission of the Application, you will receive additional information and instructions from ECSI, ACE’s third-party administrator, to complete the Monthly Payment agreement. Should you select the Monthly Payment Plan option and the Monthly Payment agreement is not completed before your term start date or within 30 days, whichever comes first, your payment selection will automatically default to “Payment Course-by-Course,” and payment will be due according to standard published tuition payment deadlines. 

Please be aware your degree will not be conferred and official transcripts will not be made available until all tuition and fees are paid in full. Course retakes and Internship/Capstone Experience extensions are not covered by the monthly payment plan. 
These costs must be paid out-of-pocket at the time of enrollment.

**Current students must be in ‘Active’ status to apply for deferment

*** The following programs do NOT qualify for deferment at this time: M.Ed. in Advanced Studies; M.Ed. in Integrated Curriculum (all concentrations); M.Ed. in STEM Leadership; M.Ed. in Teacher Leadership; M.Ed. in Teaching English Learners; M.Ed. in Early Childhood Education; M.Ed. in Literacy; Certificate in Adult Education and Corporate Training; Certificate in Content Area Instruction; Certificate in Christian Education