Billing and Payments

Earlham bills students roughly one month prior to the start of each semester for that semester’s tuition, room, board and fees, less anticipated financial aid. The bill reflects the student account balance as of June 30, 2022, less pending financial aid. Questions about financial aid should be directed to the Office of Financial Aid. For the 2022-2023 academic year, please make payment arrangements by August 10, 2022 if unable to pay in full by this date.

Please note: Students who fail to select and communicate to the Office of Accounting an acceptable payment arrangement before the start of each semester will be unable to confirm class registration and may be subject to a $50 late fee.

To save valuable resources, Earlham does not mail paper copies of semester bills or monthly statements to students or their families. Earlham is partnering with Nelnet to allow students access to an online Student Account Center through which they can view or print semester bills, review account activity and make payments on their accounts. Students may invite their parents or others who will pay their bills to have access to their online account as well. Due to federal student privacy regulations (FERPA), parents may only access the Student Account Center if they are granted access by the student.

Emails are sent each semester to all students and family members who are registered with the Student Account Center when bills are ready to view. Emails are also sent periodically with reminders to check the online Student Account Center for current information about student accounts.

Student Account Center

Log in to the Student Account Center to:

  • make a payment
  • set up a payment plan
  • view or print semester bills
  • review account activity

Parents or others who are responsible for payment may be able to access the Student Account Center as an Authorized Party. Due to federal student privacy regulations (FERPA), parents may only access the Student Account Center if they are granted access by their student.

Payment Options

Students have several options for paying their semester bills:

  1. You can make a payment through the Student Account Center. Use your bank account at no charge or your credit card for an additional fee.
  2. Request a distribution from your 529 Plan.
  3. Apply for a private loan through a bank, credit union or another lender.
  4. Mail a check payable to:
    Earlham College
    ATTN: Office of Accounting
    801 National Rd West, Drawer #201
    Richmond, IN, 47374.
  5. For bank wire transfer instructions, email [email protected].

International students may go to or PayMyTuition to make a bank transfer from their home country using a guaranteed low exchange rate.

A 4- or 5-month payment option is offered to cover semester charges. Nelnet charges a $36 enrollment fee, but Earlham’s monthly 1% service charge is waived. Monthly payments can automatically be withdrawn from your bank account at no additional cost. Sign up through the Student Account Center.

Pay one-half the amount due before the semester begins and pay the remaining balance in three equal installments, due monthly during the semester. A 1% service charge on the outstanding balance will be added to the account each month-end. To sign up for this plan, email [email protected].


Installment Due date
First installment (Half of the amount due) August 10
Second installment (1/3 of the remaining balance) September 10
Third installment (1/3 of the remaining balance) October 10
Fourth installment (1/3 of the remaining balance) November 10

Additional charges such as health service fees, library or traffic fines, or other charges may be added to a student’s account during the semester. Accounts with an outstanding balance will be charged a 1% service fee at the end of every month. If a payment is returned by a bank due to insufficient funds, Earlham will charge a fee.

Transcripts are released only for those students whose accounts are in good standing. Diplomas and transcripts for graduating seniors will be held until all financial obligations have been met.

See the Statement of Student Financial Responsibility for further information.

Billing Information

If you wish to change your meal plan, please contact the Office of Residence Life.

If you wish to change your course registration, please contact the Office of the Registrar. All changes must be made no later than 4 p.m. on the fifth class day of the semester.

Students who register for more than 18 credits will be charged an overload fee of $1,340 per credit after the add/drop date.

Outside scholarships and work-study awards do not appear on the bill as a pending credit. Students must seek employment and report their hours to receive the work-study award.

If you wish to apply your work-study award to your account, please complete a payroll deduction form in the Accounting office.

If all financial aid requirements have been met, your other financial aid will be credited to your account after classes begin.  If you have any questions about your financial aid, please contact the Office of Financial Aid.

If your student loans result in a credit balance on your account, you may request a refund through the Office of Accounting at [email protected].  Refund checks are issued every Thursday beginning after the add/drop date, upon request.

A 1% service charge on the unpaid balance is added to your account each month-end if you are not enrolled in a Nelnet Monthly Payment Plan.

A $25 fee is charged to your account if a payment is returned by your bank.

A student who withdraws or takes a leave of absence from Earlham after classes have begun is still obligated to pay for that semester’s room charges, prorated meal charges, and some or all of the semester’s tuition and fees.

View the complete Refund Policy.

All Earlham College students must have adequate health insurance coverage that is effective in the state of Indiana. Earlham provides student health insurance and automatically bills all students annually for the cost of this insurance.

View the current cost of health insurance.

The total cost of the College’s health insurance covers the student for the entire twelve months beginning August 1 and ending July 31. If you wish to purchase this insurance, you do not need to do anything else. You may waive our insurance coverage for the current year and have the charge reversed if you have adequate health insurance coverage that is effective in the state of Indiana. It is your responsibility to check with your insurance carrier before signing this form to ensure that services provided in the state of Indiana will be covered. Students are responsible for all medical expenses not covered by their insurance carrier.

If desired, you can waive the College’s health insurance coverage online. You will need your Earlham ID# and date of birth.

More information and resources

Earlham is a community like no other. Our students and faculty are partners in learning, seeking truth wherever truth may lead. Learn more about Earlham at the links below.