Payment and Financial Options

Payment and Financing Options

You love learning, and we’re here to make it happen. Invest in your career, your students and yourself by choosing one of our flexible payment and financing options. Regardless of financial circumstance, ACE offers simple solutions to paying for your higher education.

Pay out of pocket

Pay with financing

Payment in Full

Make one payment covering the entire program cost and fees.

Payment Course-by-Course

Pay program tuition and fees one course at a time.

Monthly Payment*

You can also make monthly payments over the length of a program. Total tuition and fees — plus a $150 Origination Fee — will be divided by the length of your chosen program to determine the monthly amount due. For example, a 34-credit master's program, paid for in monthly installments, would cost approximately $517.94 per month.

*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 $150 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.


Climb Credit partners with ACE because we have a proven track record in helping teachers advance. By providing simple, fast, and affordable loans, Climb helps you invest in your career and meet your financial goals.

All* new students are eligible for loans with a competitive rate based on creditworthiness. Students choose the loan term length and there is no prepayment penalty.

The Climb Achieve loan lets you make monthly payments so you never have to pay a large lump sum. Climb Achieve helps you reach your goals in a budget-friendly way.

Applying for a loan does not affect your credit score, and 90% of applicants receive a credit decision instantly.

Wells Fargo

Wells Fargo** also offers loans for a number of ACE programs, including certificates, master’s degree, Ed.S. degree and Ed.D. degree. Learn more at the link below or by calling 1-800-378-5526. Please do not call your local branch for information. When applying online or requesting additional information, please note that ACE is located in the state of Indiana. Download the Wells Fargo loan policy to learn more.

*May not be available in all 50 states. Climb Credit loans are not available for ACE dual degree programs, or Transition to Teaching programs. Loans are originated by Climb Investco, LLC (Registered as Climb Credit Investco, LLC in Florida). California Finance Lender #60DBO-44527.

Remember, you are free to obtain a loan from any lender, not just those listed here. Loans must be repaid with interest so consider the repayment plan carefully before committing to any loan agreement. Lender application is subject to an applicant credit review and individual lender terms and conditions. American College of Education does not endorse the listed lender’s loans and is not affiliated with any listed lender. Loans are not offered, originated by, or made by American College of Education.

**Wells Fargo Education Financial Services is a division of Wells Fargo Bank, N.A. Deposit and loan products offered by Wells Fargo Bank N.A., Member FDIC.

Special programs

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.

Military and Veterans Benefits

Eligible students may qualify for military benefits.

In-School Deferment of Prior Federal Loans

For students* in ACE programs, prior federal student loans may be deferred while attending ACE. Prospective students can contact an enrollment counselor at 1-800-280-0307 to see if your ACE program of interest qualifies. Please visit the tuition page for more information.

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

Payment deadlines

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 non-payment 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, but before the first class, are entitled to a refund of all monies paid, excluding the non-refundable application fee. Refunds will be provided within 30 days of receiving notice of cancellation.


Current fees outside of tuition include:

  • $150 non-refundable Origination Fee for students who choose to participate in the monthly payment plan program.


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

For new and continuing students who wish to remain enrolled during the current term from which they have been administratively withdrawn for non-payment, ACE implemented a non-refundable $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, you must send the applicable request form prior to the Drop Deadline (11:59 CST the first Friday of the course). For details, see our tuition refund policy.

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.