Payment and Financial Options for American College of Education
You love learning, and we’re here to make it happen. Invest in yourself and your career by choosing one of our flexible payment and financing options. Regardless of financial circumstance, American College of Education offers simple solutions to paying for your higher education.
Pay Out of Pocket
Payment in Full
Make one payment covering the
entire program cost and fees.
Pay program tuition and fees
one course at a time.
Climb Installment Loan* (Monthly Payment)
Climb Credit offers loans to ACE students because we have a proven track record in helping working professionals advance their careers. Climb helps you invest in your career and meet your financial goals.
Through Climb, you can 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 $512.94 per month.*Climb Credit Loans are originated by Climb Investco, LLC (Registered as Climb Credit Investco, LLC in Florida). California Finance Lender (Main) #60DBO-44527. Not all Climb Credit products are available in all states and may be subject to minimum loan requirements or other exclusions.
Climb Installment Loan 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: $540.67/mo. for 31-credit master's programs; $522.94/mo. for 34-credit master's programs; $494.50/mo. for 34-credit MAT Elementary and Secondary programs; $475.08/mo. for 64-credit doctorate programs; $548.76/mo. for 37-credit specialist programs. All figures are total cost including ACE fees, except any applicable servicer fee. The actual total cost or payment amounts could be higher or lower. Students-at-Large enrolled in individual courses are not eligible to participate in private loan programs or eligible for 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 Climb Credit, 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 or courses required due to failure to pass program benchmarks are not covered by the monthly payment plan.
These costs must be paid out-of-pocket at the time of enrollment.
Pay With Financing
ACE students are eligible to apply for Climb Loans through Climb Credit. Climb’s rates are based on creditworthiness, and they are especially flexible in providing financing options for students whose credit scores might make traditional financing more challenging. Applying for a Climb Achieve Loan** does not affect your credit score, and 90% of applicants receive a credit decision instantly.
As a traditional lender, Wells Fargo*** offers competitive rates for loans applicable to a range of ACE programs, including certificates, master’s degrees, Ed.S. degrees and Ed.D. degrees. Learn more at the link below or by calling 1-800-378-5526. When applying online or requesting additional information, please note that ACE is located in the state of Indiana. (Please do not call your local branch for information.) Download the Wells Fargo Loan Policy to learn more.
**Estimated Payment amounts are as follows: $269.65/mo. for 31-credit master's programs; $296.07/mo. for 34-credit master's programs; $334.00/mo. for 34-credit MAT Elementary and Secondary programs; $505.28/mo. for 64-credit doctorate programs; $253.69/mo. for 37-credit specialist programs. All figures are total cost including ACE fees, except any applicable servicer fee. The actual total cost or payment amounts could be higher or lower. Students-at-Large enrolled in individual courses are not eligible to participate in private loan programs. Course retakes or courses required due to failure to pass program benchmarks are not covered by the monthly payment plan.
***Wells Fargo Education Financial Services is a division of Wells Fargo Bank, N.A. Deposit and loan products are offered by Wells Fargo Bank N.A., Member FDIC.
Remember, you are free to obtain a loan from any lender of your choice. Loans must be repaid with interest so consider your options 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.
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
Some ACE programs are approved by the State Approval Agency (SAA), a division within the Indiana Department of Veterans Affairs. Eligible students may qualify for military benefits. Veterans should contact the an enrollment counselor at 1-800-280-0307, option 2 with questions regarding certifying enrollment.
In-School Deferment of Prior Federal Loans
Existing federal loans from previous educational intuitions may be deferred while actively enrolled at ACE.* You can contact an enrollment counselor at 1-800-280-0307, option 2 for more information about in-school loan deferment of existing federal loans while attending ACE. Please visit the tuition page for more information.
*American College of Education (USDOE OPE ID: 04151300) is approved by the United States Department of Education for in-school deferments.
All tuition and fees are due the Friday 11:59 p.m. PST 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.
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 Registration 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.
Students who are removed for non-payment and wish to be reinstated in their course can do so until close of business on Tuesday the second week of the term. To be reinstated, students must contact Student Services at 1-800-280-0307 opt 1 and pay a non-refundable $100.00 reinstatement fee (in addition to tuition and fees owed).
Payments processed over the telephone will be assessed an additional $25 payment processing fee that will be applied at the time of payment. The additional payment processing fee will not be applied if the College's web-based payment portal access is unavailable.
The Florida Commission for Independent Education requires that if ACE does not accept an applicant or if an applicant cancels within three (3) business days after signing the enrollment agreement and making the initial payment, a full refund of all monies paid will be issued. Cancellation after the third (3rd) Business Day, but before the first class, results in a refund of all monies paid, less the registration fee (not to exceed $150.00).