Students assume responsibility for all costs incurred as a result of enrollment at Santa Clara University. It is the student’s responsibility to be aware of their account balance, financial deadlines, refund policies, and maintain valid contact information at all times to ensure receipt of all University correspondence in a timely manner. All major correspondence is sent to the student’s SCU gmail account which is the official email system used by the University. Students are responsible to check their Santa Clara gmail regularly for important information and updates.
Financial Terms and Conditions
Students are required to accept the financial terms and conditions outlined by the University in order to continue their enrollment at SCU. Students will be prompted to accept the terms and conditions, on an annual basis, upon their login to eCampus. Students will not have access to their Student Center until they have read and agreed to the information contained on the page(s) prompted. By accepting SCU’s financial terms and conditions, students are agreeing to pay and to abide by all policies and procedures as published.
Tuition and Fees
The Board of Trustees, upon the recommendation of the President and the Provost, sets the annual academic year tuition rate and the summer session tuition rate for all programs. Students are charged tuition based on the rates approved by the Board of Trustees. Please refer to the Bursar website at: www.scu.edu/bursar/tuition for details. Tuition and fee rate differences found in other publications will not be honored.
|Application Fee (nonrefundable)||$75|
|Initial tuition deposit||$250|
|Final tuition deposit||$550|
|Tuition and Fees:|
|First-year, full-time J.D. division students annual tuition (28 units at $1,876 per semester unit)||$52,528|
|First-year, part-time J.D. division students annual tuition (21 units at $1,876 per semester unit)||$39,396|
|J.D. students (per semester unit)||$1,876|
|LL.M. students (per semester unit)||$2,104|
|Student Health Insurance (annual fee)||TBD (pending CA Division of Insurance final approval)|
|Late payment fee (per billing statement)||$100|
Students in the Law School/Business School combined degree program are charged Law tuition rates for Law courses and MBA or MSIS tuition rates for Business courses.
SCU students studying at an international exchange institution pay tuition to SCU at standard rates. Students from international exchange institutions studying at SCU pay tuition to their home institution.
SCU students studying at a domestic visiting institution pay tuition to the institution they are attending. Students from a domestic visiting institution studying at SCU pay tuition to SCU at the standard applicable rate.
Students in the Law School consortium (SCU, USF, Golden Gate University, UC Davis, UC Berkeley) take courses at their home institution and can take a class at a consortium institution. Students from consortium schools taking classes at SCU pay tuition to their home institution.
Santa Clara University requires all degree seeking students enrolled at least half-time in their school or college to have health insurance (excluding certificate and online programs). In addition, all F-1 and J-1 visa students must have health insurance regardless of type of degree or number of units. All J-1 students should contact the Global Engagement Office at Santa Clara University for assistance with their insurance enrollment. This requirement helps to protect against unexpected high medical cost and provides access to quality health care.
Students may purchase the university sponsored United Healthcare PPO Student Health Insurance Plan, but are not required to if they can provide proof of other insurance coverage comparable to the United Healthcare PPO Student Health Insurance Plan. The United Healthcare PPO insurance plan begins on August 15, 2019 and terminates on August 14, 2020. We are awaiting the final approval from the CA Division of Insurance of the 2019/2020 insurance plan benefits and premium and do not yet have a confirmed premium amount for publishing. For your information, the 2018/2019 United Healthcare plan annual premium was $2,968.00. Once the 2019/2020 premium is available it will be posted on the insurance website listed below. Students with comparable health insurance must complete the Online Waiver Form with their own insurance information prior to the August 23, 2019 FINAL waiver deadline date. To access the waiver and enrollment form please go to www.scu.edu/cowell/insurance and click on Click Here located on the page. You will be taken to the Gallagher Student Login Page for Santa Clara Students. In the Student Access column on the left click the option Student Waive/Enroll and follow the prompts.
All students will be subject to the waiver and insurance billing process as outlined below:
- By June 24, 2019 – Health Insurance Waiver must be completed to avoid being charged the annual premium to your student account on June 25, 2019.
- After June 25, 2019 – Online Health Insurance Waiver form must be completed by the law waiver deadline date of August 23, 2019 in order to have the health insurance charge reversed from the student account within 3-5 business days.
- By August 23, 2019 – The Online Health Insurance Waiver must be completed in order to have the health insurance charge reversed within 3-5 business days.
- After August 23, 2019 – The health insurance charge will remain on the student account until paid. THIS CHARGE WILL NOT BE REVERSED.
All F-1 visa international students, regardless of number of units, must be enrolled in the SCU-sponsored health insurance plan unless the student meets one of the waiver exceptions below. Please see Cowell website at www.scu.edu/cowell/insurance for detailed information.
- Currently an enrolled dependent on a spouse/parent/partner or employee US based and Affordable Care Act compliant plan.
- Attending SCU through the Saudi Arabian Cultural Mission (SACM) program and currently enrolled in the SACM-sponsored United Healthcare insurance plan.
The following types of insurance plans/programs are not acceptable and will not be considered:
- Insurance plans called Travel Insurance do not provide acceptable coverage and may not be used for insurance coverage while at Santa Clara University.
- Short Term Medical Plans that are available to purchase on a weekly or monthly basis.
- Socialized medicine policies, including Canadian policies are not acceptable as insurance coverage while at Santa Clara University.
- International insurance plans that are underwritten in a country outside of the United States.
- California Medi-Cal health plans that do not have assigned benefit coverage in Santa Clara County, California, US. Your Medi-Cal must have assigned benefits in Santa Clara County, California, US.
- Out-of-state Medicaid insurance plans do not cover students in California and thus is not eligible coverage to complete the waiver form.
- Health Insurance plan must be in place for the entire time you are an enrolled student at the university.
In addition, your health insurance plan must include the following benefits/services:
- Health insurance plans must provide benefits for Medical Evacuation and Repatriation of Remains. A minimum of $50,000 is required for Medical Evacuation and a minimum of $25,000 is required for Repatriation of Remains. (International Student requirement)
- Health insurance policy must provide unlimited lifetime maximum coverage. Benefits cannot have a specific maximum amount.
- Pre-existing conditions must be covered (with no waiting period).
- Health insurance plans must provide coverage for inpatient and outpatient hospitalization in Santa Clara County, California, US.
- Health insurance plans must provide access to local doctors, specialist, hospitals and other health care providers in emergency and non-emergency situations in Santa Clara County, California, US.
- Health insurance plans must provide coverage for lab work, diagnostic x-rays, emergency room treatment, ambulance services and prescription coverage in Santa Clara County, California, US.
- Health insurance plans must provide coverage for inpatient and outpatient mental health.
All law students, regardless of their insurance, are welcome to use the Cowell Health Center at any time. The Cowell Center does not bill insurance companies. All charges will be posted to your student account. Students may request a receipt for charged services to submit to their insurance company for any reimbursement according to their plan benefits.
Parking permits are required for all users of University parking facilities. Permits can be purchased at Transportation Services.
Housing plans are available at www.scu.edu/housing/.
Billing and Payment Procedures
Student Accounts and Billing
Students assume responsibility for all costs incurred as a result of enrollment at Santa Clara University and agree to abide by applicable University policies and procedures. Students may designate a third party (e.g., parent, family member, spouse) to be an Authorized User for the purpose of reviewing student account/billing information and remitting payment on the student’s behalf. However, it is ultimately the student’s responsibility to make sure all financial obligations are completed by the published deadlines.
Students receive monthly billing statements electronically via a third party vendor that are accessible through eCampus. A billing notification email is sent to the student’s SCU gmail account and to the email address of any Authorized User. Students may also forward their billing statement(s) electronically to any third party they authorize for remittance. Please note that information on a student’s account cannot be provided to any third party payer unless a completed Family Educational Rights and Privacy Act (FERPA) form authorizing its release by the student is on file with the University.
Students are obligated to pay the applicable tuition and fees associated with their enrollment status by the published term payment deadline. Students enrolling after the initial payment deadline may be required to pre-pay for their enrollment. Registered students who do not withdraw formally from the University are responsible for all tuition and fees assessed to their account, as well as any penalty charges incurred for nonpayment. Nonattendance does not relieve the student of his or her obligation to pay tuition and fees.
Additional information, including detailed instructions on Santa Clara’s billing and payment procedures, is located on the Bursar’s Office website at: www.scu.edu/bursar.
Billing dates and deadlines
Fall 2019 – Billing available July 1; payment due July 21
Spring 2020 – Billing available December 1; payment due December 21
Summer 2020 – Billing available May 1; payment due May 21*
*(summer abroad program tuition is due April 15)
Santa Clara University offers a variety of payment methods to students to assist with their financial obligations. Please visit our Bursar’s office website for additional payment information: https://www.scu.edu/bursar/paymentoptions/
Payment by Electronic Check
A student or Authorized User can make online payments by processing a fund transfer directly for their personal checking or savings account through a third party website accessible via the University eCampus system. The payer is able to make electronic payments without incurring a transaction fee.
Term Payment Plan
Students currently enrolled at SCU may be eligible to enroll in a monthly payment plan to assist with budgeting needs, on a term basis. There is a $40 non-refundable enrollment fee per term and students must have a US bank account to enroll in a term plan. The first payment is due upon enrollment and all subsequent payments will be processed automatically each month thereafter. Plans are subject to rebalancing based upon changes in enrollment and/or financial aid. Participants must enroll each term; there is no automatic re-enrollment. Please note there are no payment plans for the summer session.
Payment by Mail
Payment for student account charges are accepted by mail utilizing the University’s cash management service lock box. Please enclose a paper check or cashier’s check made payable to Santa Clara University; and a copy of the billing statement and mail it to: SCU Payment Processing, P.O. Box 550, Santa Clara, CA 95052-0550.
Payment in Person
Payment for student account charges may be made in person by cash or check only at the OneStop Office, located in the Admissions & Enrollment Services Building. The OneStop office is not able to accept any electronic forms of payment. However, there are computer kiosks located within the office for the convenience of students and their payers who wish to make electronic payment. Regular business hours are Monday-Friday, 8:30 am-5:00 pm.
International Payment by Wire Transfer
International students may submit payment quickly and securely by going to www.flywire.com/pay/scu. Students are able to benefit from excellent exchange rates and payment can often be made in the student’s home currency.
If all charges on a student’s account are not cleared by payment, financial aid, or loan disbursement by the payment deadline, a late payment fee will be assessed to the student’s account and a hold will be placed on the student’s record. A hold on a student’s record prevents the release of diplomas, prevents access to any registration services and may limit access to other University services. Students who have unpaid accounts at the University or who defer payment without approval are subject to dismissal from the University. All unpaid balances will accrue ten percent interest per annum on the balance remaining from the date of default in accordance with California State law.
Delinquent student accounts may be reported to one or more of the major credit bureaus and may be forwarded to an outside collection agency or an attorney for assistance in recovering the debt owed to the University. The student is responsible for all costs incurred to collect outstanding debt, including but not limited to accrued interest, late fees, court costs, collection fees, and attorney fees. All outstanding bills and costs of collection incurred by the University must be paid in full prior to a student re-enrolling at the University.
If a student wishes to dispute any charges on his or her billing statement, a written explanation should be forwarded to: Santa Clara University, Bursar’s Office, 500 El Camino Real, Santa Clara, CA 95053-0615. The Bursar’s Office must receive written correspondence within 60 days from the billing statement date on which the item in question appeared. Communication can be made by telephone, but doing so will not preserve the student’s rights.
Communication should include the student’s name, SCU identification number, the amount in question, and a brief explanation. Payment for the amount in question is not required while the investigation is in progress; all other items not in question must be paid by the due date. If the amount in question is found to be correct, payment must be submitted to the Bursar’s Office immediately upon notification.
Tuition Insurance Protection
Students and families may protect themselves against financial loss due to unexpected withdrawal from the University, for medical or mental health reasons, by purchasing tuition insurance coverage. The University has identified an insurance company, A.W.G. Dewar Inc., to provide an optional insurance protection plan. This plan is designed to protect from loss of funds paid for tuition should it be necessary to withdraw completely from the University during the term for medical or mental reasons. Information on the tuition insurance plan can be found at www.collegerefund.com and available on the Bursar’s Office website at www.scu.edu/bursar/tuitionprotection.
Tuition Refund Process and Policy
Process – Students may be eligible for a refund if there is a credit reflecting on the account. The refund process will begin after week 1 of the term. Below is the criteria for refunding purposes:
- Account must reflect a credit balance
- Student cannot be enrolled in a payment plan
- Encumbered time has lapsed (14 calendar days for paper check, 7 calendar days for online payment)
- Payment by wire transfer will be returned via the same method
- Payment from third parties will be refunded to the originating source
- No refunds for overpayments made on an account, unless student drops or withdraws
Policy – Students who formally withdraw from the University or drop courses are eligible for a tuition refund in accordance with the policies outlined below. No refunds are made for any fees.
The effective date used for the determination of any refund of tuition is the date on which notification of withdrawal is received by the student’s respective Records Office, not the last date of attendance by the student. Neither dropping all courses via eCampus nor informing an individual faculty member, an academic department, or the Dean’s Office constitutes an official withdrawal from the University. The official date of withdrawal from the University cannot be backdated prior to the date on which the student submits the applicable withdrawal form or notification to Law Student Services. The Records Office for the Law School is Law Student Services (email@example.com or 408-554-4766).
Fall and Spring Semesters
Students who withdraw from the University, drop courses, or are approved for a leave of absence, during the fall or spring semester, will receive a tuition refund in accordance with the following:
The start of the semester is considered to be the first date on which instruction begins in the School of Law.
– Students who withdraw from the University or drop courses by the end of the first week of classes will receive a 100% tuition refund, less any applicable fees, for the semester.
– Students who withdraw from the University or drop courses by the end of the second week of classes will receive a 60% tuition refund, less any applicable fees, for the semester.
– Students who withdraw from the University or drop courses by the end of the third week of classes will receive a 40% tuition refund, less any applicable fees, for the semester.
– Students who withdraw from the University or drop courses by the end of the fourth week of classes will receive a 20% tuition refund, less any applicable fees, for the semester.
– Students who withdraw from the University or drop courses after the fourth week of classes will receive no tuition refund for the semester.
Please note: Students may drop courses on eCampus until 11:59 p.m. on the Sunday immediately following the beginning of the semester and still receive 100% refund. However, this is only valid if a student has no registration holds and does not require assistance from a staff member. All other transactions must be completed by 5 p.m. on the first Friday of the semester.
Students who drop a course(s) during the summer term are eligible for a refund of tuition charges in accordance with the policies outlined below. No refunds are made for any fees.
– Students who withdraw from the University or drop courses by the end of the first week of classes will receive a 100% tuition refund, less any applicable fees, for the term.
– Students who withdraw from the University or drop courses by the end of the second week of classes will receive a 50% tuition refund, less any applicable fees, for the term.
Weekend/Off Cycle/Short-Term Courses
Students must provide the Law Student Services Office with a written request to drop these courses. To receive tuition refunds from the Bursar’s Office, these course drops must be handled administratively. Students should NOT drop these classes themselves through eCampus after the first week of the semester. Consult the schedule of classes for refund options for individual off cycle courses.
Students who withdraw from the University or drop courses due to an illness, injury, or psychological/emotional condition are eligible for a tuition refund in accordance with the schedule above. Tuition insurance may be purchased to cover tuition charges for medically related withdrawals that occur after the first week of the semester.
Santa Clara University degree students who withdraw from the University or who are administratively withdrawn from the University after the fourth week of the semester due to a qualifying financial hardship may be eligible for an allocation from the student hardship fund for 20 percent of the tuition charges for that term. Qualifying financial hardships include: (1) death, disabling injury, medical emergency, (2) loss of job by an independent student, (3) medical or other emergency involving a dependent of an independent student, and (4) student deployment for active military duty. The Vice Provost for Student Life or designee, in consultation with the Financial Aid Office, will determine qualifying financial hardships and any allocation from the student hardship fund. Students must submit a request for an allocation from the student hardship fund by the end of the applicable term.
No tuition refunds are made because of curtailed services resulting from strikes, acts of God, civil insurrection, riots or threats thereof, or other causes beyond the control of the University.
Santa Clara University School of Law offers financial assistance to law students administered through the Law Admissions and Financial Aid Office and the University’s Financial Aid Office. Depending on the student’s eligibility, a financial aid package may include a combination of scholarships and loans.
Enrollment Status, Satisfactory Academic Progress and Federal Aid Eligibility
To remain eligible for federal financial aid, students must be enrolled at least half-time and must be making satisfactory academic progress.
Fall and Spring Semesters:
- 6 units per semester*
- 3 units
*NOTE: Other School of Law academic policies require enrollment above these minimums, per semester. Please consult the Degree Programs section of the Bulletin for more information.
Eligibility for scholarships and loans may be affected by changes in enrollment. Financial aid recipients who switch from a full-time to part-time course load, or vice versa, must inform the Law Admissions and Financial Aid Office.
Students who drop below half-time must notify the Law Admissions and Financial Aid Office immediately. Students who drop below half-time for more than six months, or take a leave of absence for more than six months may need to begin making payments on their student loans. Students may contact their loan servicers to request deferment or forbearance if they cannot afford to make payments during this period.
Satisfactory Academic Progress
J.D. students are required to maintain a minimum cumulative 2.33 grade point average for all completed courses in order to avoid disqualification. If a financial aid award has been made to a student who disqualifies, the award offer will be withdrawn.
A disqualified first-year student who is readmitted following successful completion of the First-Year Law Students’ Examination will be considered to be in good standing for financial aid purposes, but any previously withdrawn financial aid award offer will not be reinstated.
Federal Aid Eligibility
In order to be eligible for financial aid students must meet the following criteria:
- be a U.S. citizen or eligible non-citizen enrolled or accepted for enrollment in a degree or certificate program of study at least half-time
- make satisfactory academic progress
- not be in default on a federal student loan
- not owe a refund on any federal financial aid grant
- have a valid Social Security number
- be registered with Selective Service (if required)
NOTE: Students with criminal convictions, including drug offenses, may have limited eligibility for student aid.
Students should file the Free Application for Federal Student Aid (FAFSA) annually. Santa Clara University’s school code is 001326.
Determining Financial Need
Need-based financial aid is determined from the information gathered from the FAFSA. The Law Admissions and Financial Aid Office takes the total cost for attending Santa Clara University School of Law for an academic year (including room, board, books, supplies, local transportation, loan fees and personal expenses) and subtracts the Expected Family Contribution (EFC). The result is a student’s demonstrated financial need.
Calculating Financial Need
Cost of Attendance minus Expected Family Contribution (EFC) equals Financial Need
Cost of Attendance
Cost of Attendance is the estimated amount it will cost to attend Santa Clara University for one academic year.
Expected Family Contribution
The Expected Family Contribution (EFC) is the amount that a student and a student’s spouse (if married) are expected to contribute toward the student’s education. This amount is determined according to a standardized formula established by the federal government known as federal methodology (need-analysis formula) and is based on the information reported on the Free Application for Federal Student Aid (FAFSA).
Federal Work-Study allows graduate students to earn money to help cover non-billable educational expenses by working at Santa Clara University or at authorized nonprofit organizations.
- FAFSA required
Federal Direct Loan
The William D. Ford Federal Direct Loan program provides low-interest loans for graduate students to help pay for their educational expenses.
- Non need-based
- FAFSA required
- Must be enrolled at least half-time
- 2019-2020: 6.079% interest rate
- 1.062% origination fee for loans with a first disbursement date on or after October 1, 2018 and before October 1, 2019
- 6-month grace period before repayment
- Must complete Entrance Counseling and a Master Promissory Note (MPN)
Graduate Federal Direct Loan Limits
- $20,500 annual borrowing limit
- $138,500 maximum aggregate borrowing limit
When considering borrowing a federal student loan, students should also understand repayment options.
Federal Direct PLUS Loan
The William D. Ford Federal Direct PLUS Loan provides an additional borrowing option for graduate students.
- Non need-based
- FAFSA required as well as a credit check
- Must be enrolled at least half-time
- 2019-2020: 7.079% interest rate
- 4.248% origination fee for loans with a first disbursement date on or after October 1, 2018 and before October 1, 2019
- Must complete Entrance Counseling and a Master Promissory Note (MPN)
After completing the Free Application for Federal Student Aid (FAFSA), and receiving a Financial Aid award from the Financial Aid Office, students may apply for a Federal Direct PLUS Loan at StudentLoans.gov.
NOTE: Students who are denied a Federal Direct PLUS Loan due to credit issues, have the following options:
- They may be approved with an endorser (co-signer)
- They may appeal the credit decision directly with the Direct Loan Department at StudentLoans.gov or by calling 1-800-557-7394.
When considering borrowing a federal student loan, students should also understand repayment options.
Veterans and Veterans’ Dependents Assistance
Santa Clara University has been certified by the Department of Veterans Affairs as qualified to enroll students under applicable federal legislation and regulations, including Chapter 30/1606 (active duty Montgomery G.I. Bill), Chapter 31 (rehabilitation), Chapter 33 (Post 9/11 GI Bill), and Chapter 35 (Survivor/Dependent Educational Assistance). Individuals interested in attending under any of the veteran’s assistance programs should contact the Veterans Administration and consult with our Veteran’s Support Services team.
In addition to Santa Clara University, there are scholarships sponsored by corporations, civic organizations, religious organizations and other groups.
NOTE: Students awarded a scholarship from an outside organization, should provide the donor with our contact information. All correspondences and scholarship checks should be sent to the Law Admissions and Financial Aid Office.
Private Educational Loans
Private Educational Loans allow law students who have exhausted or who are ineligible for federal aid an alternate means of borrowing to help pay for their educational expenses. Law students often borrow private loans to help cover expenses while studying for the bar exam. Private loan providers have their own application and repayment terms. Students should review all terms and disclosures before applying for one of these credit-based loan alternatives.
Financial Aid Cancellation and Return of Funds
Students who withdraw from the University and who have federal financial aid are subject to the federal regulations applicable to the return of Title IV funds. These regulations assume that a student earns his or her financial aid based on the period of time he or she remains enrolled during a term. A student is obligated to return all unearned federal financial aid funds governed under Title IV other than those earned under the college work-study program.
Unearned financial aid is the amount of disbursed Title IV funds that exceeds the amount of Title IV aid earned in accordance with the federal guidelines. During the first 60 percent of the term, a student earns Title IV funds in direct proportion to the length of time he or she remains enrolled. That is, the percentage of time during the term that the student remains enrolled is the percentage of disbursable aid for that period that the student has earned. A student who withdraws after the 60 percent point of the enrollment term earns all Title IV aid disbursed for the period.
All funds must be returned to federal programs before funds are returned to University financial aid programs or to the student. The return of funds allocation (excluding aid funds not applicable to law students) will be made in the following order for students who have received Federal Title IV assistance.
- Unsubsidized Federal Direct Loan
- Federal Direct PLUS Loan
Federal student loan borrowers who are graduating, leaving school or dropping below half-time enrollment are required to complete exit counseling. Direct Loan borrowers will need to compete exit counseling at studentloans.gov. Students will be notified when this requirement should be completed.
Verification is the process established by the U.S. Department of Education to check the accuracy of aid applications. Students selected for verification will need to provide the specific documentation required for independent students.
Participation in the verification process is not optional. Students who do not submit the requested documentation will not be eligible to receive federal financial aid.
NOTE: Failure to meet the verification deadline may result in aid not being reinstated. Any delays in sending documentation may result in students not having aid by the beginning of the academic term. In this case, it is the student’s obligation to pay the account balance on their student account.
For information on Santa Clara Law scholarships, refer to the Law Admissions and Financial Aid website.
For questions regarding financial aid, contact the Law Admissions and Financial Aid Office at (408) 554-5048.
Questions regarding visa status and international student status should be directed to Santa Clara University’s Global Engagement Office.