Student Financial Services

General Fees

Advanced Health Assessment Fee

The Advanced Health Assessment Fee is charged to nurse practitioner graduate students enrolled in the course 33.651. These students are taught a variety of health assessment skills in hospital settings.

Campus Technology Fee

The Campus Technology Fee supports the technology infrastructure and educational environment necessary to meet the technological demands of the university community.

College/Department Specific Fee

Certain colleges and departments charge fees in order to provide resources for college/department specific expenses not supported by the operating fee such as supplies and equipment used in introductory and higher level courses, maintenance and upgrade of laboratories and other college facilities, software licenses and other curriculum related costs. The use of these fees is limited to support of the college/department from whose students the fee is collected.

Co-op Fee

Co-op is a structured and selective, voluntary program for students.  Students who are in good academic standing and who are approved by their academic department may elect to apply to the professional co-op program.

First Year Student Services Fee

The First Year Student Service Fee is a fee to provide a strong first-year experience that enhances retention for all students. The fee will be used to meet the critical need for orientation programs and ongoing student support services.

Health Insurance

Since September 1989, Massachusetts State Law has required all college students to be enrolled in a student health insurance program that meets required benefits established by the state.  Those benefits, subject to change, are summarized as:

  • Comprehensive coverage of primary and preventative care, emergency services, surgical services, hospitalization benefits, ambulatory patient services, and mental health benefits.
  • $50,000 maximum aggregate indemnity per illness or injury per year.
  • Coverage 24 hours a day, anywhere in the world, for a 12-month period with some exclusions, co-payments and deductibles.

Health Insurance Charges for 2012 - 2013

Full Year Plan August 1, 2012, to July 31, 2013 $1203
Waiver process is available through iSiS beginning July 2, 2012
Spring Plan January 1, 2013, to July 31, 2013 $705
Waiver process is available through iSiS beginning December 2, 2012

PLEASE NOTE - This Waiver process MUST be completed by the specified deadline date of EACH academic year, even if it was completed the year before.

MASSHEALTH COVERAGE

All students selecting to waive the University Student Health Insurance Plan, stating that they have MassHealth coverage, are required to submit official documentation to the Student Health Services Office, McGaurvran Hall, South Campus, which confirms that they have such coverage (i.e., original notice on MassHealth letterhead).  If such documentation is not received by the deadline date indicated on the www.isis.uml.edu website, the charge will be re-instated on your student bill.

COMMONWEALTH CONNECTOR

Please note that Massachusetts college students are not eligible to enroll in the new health insurance plans being offered by the State on July 1, 2007.

Note: Since March 2000, the Division of Healthcare Finance and Policy has had in effect the following regulations regarding managed care coverage.

Managed Care Plans:  Any student who has a managed care plan and will be living outside of his/her coverage area while attending the University of Massachusetts Lowell, must choose a primary care provider in the Lowell area or elect to enroll in the University Student Health Insurance Plan.  Often, lab work procedures and/or prescriptions from the Student Health Services Office at the University of Massachusetts Lowell will not be covered by a managed care plan and the student may be responsible for all expenses incurred.

INTERNATIONAL STUDENTS

All International students are required to be enrolled in the University Health Insurance Plan.  This requirement is authorized under the insurance laws for higher education students in Massachusetts (section 3.05(2) or MGL 114.6).

STUDENTS' RESPONSIBILITIES

If students have comparable coverage, they may select to waive the University Health Insurance Plan.

  1. Have your health insurance card ready.
  2. Be prepared to answer a series of questions.
  3. Log into iSiS.
  4. Follow the manage health insurance link.

Your answers and insurance information are subject to an audit.  If for some reason there is a question regarding your answers or insurance coverage, the charge will be re-instated to your student bill, and you will be asked to provide further information.

Further information, including instructions on how to either waive or enroll in the University Health Insurance Plan, contact Student Health Services Office by calling 978-934-4992.

Who must complete the on-line student health insurance selection?

  • ALL UNDERGRADUATE students enrolled in a degree-granting program, whether FULL-TIME or PART-TIME, will be charged for the University Student Health Insurance Plan and are required to complete the on-line selection process. 
  • ALL GRADUATE students and ALL CONTINUING EDUCATION students enrolled in a degree granting or certificate program carrying nine or more credit hours per semester will be charged for the University Student Health Insurance Plan and are required to complete the on-line selection process.

EACH student MUST complete either the YES (I want the University Student Health Insurance Plan) or NO (I'm already covered by a comparable health insurance plan elsewhere) by the deadline indicated on the web page.

Students who do not complete the waiver process will be enrolled in the University Student Health Insurance Plan, and the health insurance charge will remain on the student's account.

NOTE: Students requiring proof of full-time enrollment for their own private insurance must submit this request to the Registrar's Office, Dugan Hall, South Campus.

Information on optional insurance plans for spouses and/or dependents and major medical coverage is available online at the https://www.gallagherkoster.com.

The HOPE Tax Credit

This is a $1,500 per year nonrefundable credit for qualified higher education expenses incurred for at least half-time enrollment during the first two years of a student's academic program leading to a recognized educational credential at an eligible institution.

International Student Fee

International students require special services and numerous visas and other immigration forms before and after they arrive on campus. This is used to defray the cost of the staff, equipment and consultants necessary to handle international student services.

Late Fee

A $50 charge per semester will be assessed to anyone who is currently enrolled, has an outstanding balance and does not have a legitimate exemption as of the due date on the invoice. Exemptions include participation in the Academic Management Services payment plan, sufficient outstanding financial aid and/or loans, or direct billing of an approved third party.

Lifetime Learning Credit

This is a $1,000 per year nonrefundable credit for qualified higher education expenses incurred at any eligible institution. Further information regarding eligibility, income limitations, reporting requirements and due dates contact either the Internal Revenue Service at 1-800-829-1040 or your personal tax preparer.

Mass PIRG (waivable fee)

This fee supports the Massachusetts Public Interest Research Group, a student-interest advocacy group. This is a waivable fee voted on by student referendum and billed per semester.

If you prefer not to contribute, this fee can be waived online by:

  1. Logging into your iSiS student account, 
  2. Click on student service center from the main menu, 
  3. Scroll down to the finance section and click on waivable fee. A new page will open up that will show the fee and a box if you would like to waive it. 
  4. Please click on the box to waive the fee and then click submit. A message should appear stating that you were successful in waiving the fee.

Once you receive this message, then you can confirm your selection by:

  1. Clicking on the account summary link to bring you to your tuition and fee charges.
  2. Click on:
  • the current term
  • then view account detail.
The Mass PIRG fee should show a $0 amount.

In order to practice as a nurse following graduation, each nurse must pass a national nursing license exam.  This exam is a rigorous test of nursing knowledge and skills and is used both to evaluate the individual student and to monitor the quality of nursing education.

The Nursing Exit & Speciality Exam Fee applies to all Nursing Students enrolled in courses listed below:

Sophmore Nursing Students Junior Nursing Students Senior Nursing Students
33-210 33-310 33-410
33-319 33-314 33-413
33-318

Operating Fee

The Operating Fee is the primary fee to support general operations at the University of Massachusetts Lowell. This fee provides revenue for instructional activity such as laboratory supplies, equipment upgrades and adjunct faculty salaries; for academic support such as the library; for student services such as athletics, student activities, counseling and health services; facilities costs, including utilities, for financial aid, and for administrative services.

Returned Check Fee

A returned check fee is assessed to cover the cost of checks returned to the University due to insufficient funds or closed accounts. Notification of returned checks will be sent by the Student Financial Services Office. A student who has issued two or more returned checks within any academic year or three returned checks over the course of his/her academic career will be required to pay any outstanding balances with cash, money order, bank check or validated credit card. Any graduating student who passes even one bad check prior to graduation exercises, will be required to pay his/her outstanding balance in the above noted methods.

Student Activity Fee

The Student Activity Fee supports programs and activities beneficial to students, student services and campus student life such as recognized student organizations.

Tuition

Tuition rates are established annually by the Massachusetts Higher Education Coordinating Council.

Tuition Surcharge

Effective for the fall semester 1999-2000, the Board of Higher Education mandates a surcharge on Massachusetts state university and college students who take more than a required number of credits to graduate. The charge applies only to in-state and regional program undergraduates who began their studies at the University of Massachusetts Lowell. The surcharge rate is equivalent to the out-of-state rate, per credit, for each credit in excess of 118% of "required credits" for the baccalaureate degree. "Required credits" shall include those for single and double majors, minors and credits required for formal certification or licensing. In addition, credits accumulated in the Division of Continuing Education courses will not be included in the count. Where appropriate, the surcharge will be itemized on the student invoice. Students are advised that an appeals process is available to them. Surcharge Appeal Petitions will be considered by a review committee.