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Fee deferral

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Tuition & Fees Payment Deferral | Applying for a Fee Deferral
| MIDAs Program


Tuition & Fees Payment Deferral

Students in a degree program with no prior outstanding tuition/fees may request that payment(s) of tuition and fees be deferred based on self-reported demonstrated sources of funding from the university, government or other external agencies. All requests are student-initiated using the "Defer Payment of Tuition and Fees" option through the Financial Aid & Awards Menu on Minerva. Such requests will be granted on a term by term basis during which time no interest or late payment charges will be applied on the fees covered by the deferral. The financial hold will be placed shortly after the deferral ends, preventing students from obtaining official academic transcripts and from accessing Minerva for any registration functions . The length of time that a fee deferral is in effect will depend on the nature of the fee deferral:

Reason for deferralDeferral effective toFees DuePercent of fees deferred*
Graduate Students – External Funding Agency where awards are administered at McGill (e.g. NSERC, SSHRC, CIHR, MS Society) end of November early January 100%
Graduate Students – Income from TA'ship, RA'ship or Course Lecturer end of November early January 100%
Graduate Students ‐ McGill awards paid in installments (i.e. stipends or fellowships) end of November early January 100%
Graduate Students ‐ Quebec Agency (i.e. FQRNT, FQRSC, FRSQ) end of October end of November 100%
Government Aid end of October end of November 100%
International Students (non-U.S.) – Experiencing delays in transferring funds end of August end of September 50%
Reason for deferralDeferral effective toFees DuePercent of fees deferred*
Graduate Students – External Funding Agency where awards are administered at McGill (e.g. NSERC, SSHRC, CIHR, MS Society) end of March end of April 100%
Graduate Students – Income from TA'ship, RA'ship or Course Lecturer end of March end of April 100%
Graduate Students ‐ McGill awards paid in installments (i.e. stipends or fellowships) end of March end of April 100%
Graduate Students ‐ Quebec Agency (i.e. FQRNT, FQRSC, FRSQ) end of February end of March 100%
Government Aid end of February end of March 100%
International Students (non-U.S.) – Experiencing delays in transferring funds early January end of January 50%
Reason for deferralDeferral effective toFees DuePercent of fees deferred*
Graduate Students – External Funding Agency where awards are administered at McGill (e.g. NSERC, SSHRC, CIHR, MS Society) end of July end of August 100%
Graduate Students – Income from TA'ship, RA'ship or Course Lecturer end of July end of August 100%
Graduate Students ‐ McGill awards paid in installments (i.e. stipends or fellowships) end of July end of August 100%
Graduate Students ‐ Quebec Agency (i.e. FQRNT, FQRSC, FRSQ) end of July end of August 100%
Government Aid end of July end of August 100%
International Students (non-U.S.) – Experiencing delays in transferring funds end of May end of June 50%

Applying for a fee deferral

Students may apply for a fee deferral by clicking on “Defer Payment of Tuition and Fees” in the Financial Aid/Award menu on Minerva and selecting the category that applies to their situation. All applicants will be verified to ensure they have reported their situation accurately.

The Minerva application for deferral of tuition fees form is available in mid-July for the Fall term, mid-December for the Winter term, and early April for the Summer term. Students who apply up to the fee deadline can be assured that the deferral will be in effect prior to interest being charged on their account. Please note that students who apply late may not request cancellation of interest. Students must complete the application for deferral of fees each term.

* A fee deferral generally covers the amount of the Fall (Winter or Summer) term charges, which include tuition, administrative and certain academic fees and health and dental insurance. Charges not covered by the tuition deferral include, but are not limited to, housing charges, meal plans, printing charges or any other amounts owing that are not considered registration charges. Interest on outstanding already-billed amounts will continue to be charged on a monthly basis excluding amounts covered by the student aid tuition deferral.

Example:

September e-bill charges: Tuition: $1,000.00
Fees: $256.00
Health and Dental Insurance: $184.60
Rent: $750.00
Meal Plan: $2,650.00
Total $4,840.60
The deferred amount* appears in the form of memo transactions called "Pre-Authorized Credits": $1,440.60
The balance for the Meal Plan and Rent (not covered by the deferral) is: $3,400.00
If by the due date on the September e-bill the Meal plan and Rent have not been paid, then there would be interest charged as follows: $42.16 on the total of $3,400.00 ($3,400 x 0.0124)

* This example excludes the deferral granted to returning international students who are experiencing delays in transferring their funds to the University and which is 50% of tuition and registration fees.

Students are reminded that tuition and student housing fees are the first items to be covered by financial aid received from any source. Students are expected to pay their tuition promptly upon receipt of any assistance.

Students who have deferrals for the term are strongly encouraged to establish a regular payment schedule through internet banking arrangements in order to avoid a large debt at the end of term. Students have typically found it useful to make this schedule coincide with payments from payroll and/or awards.

MIDAs Program

The MIDAs program is being phased out in favour of a graduate funding mechanism that allows for the development of funding programs at the Faculty level. The MIDAs program accepted its last cohort of students in the Winter 2011 term. International PhD students currently receiving the MIDAs have been grandfathered in the program and will continue to receive the MIDAs as long as they maintain their eligibility. For more information, please consult the Graduate and Postdoctoral Studies website.