Student Services

FACTS Frequently Asked Questions

Do you have questions about FACTS?
Call the Cashier at (231) 777-0249. If you don't see the answers to your questions below, please contact a Muskegon Community College Advisor.

  1. What if I sign up for FACTS before I get my financial aid award?
  2. Can I cancel my payment plan?
  3. What if I don’t have a checking account or a credit card but need to register for FACTS?
  4. What if I register online but don’t want to pay with a credit card or sign up for FACTS?
  5. I don’t want to wait to receive my estimated financial aid award package from MCC before registering for classes but need to sign up for FACTS. What do I do?
  6. I have registered for classes and signed up for FACTS but now I need to add another class or drop a class. What do I do?
  7. I have a scholarship that will pay all of my tuition and fees for this semester. Do I still have to sign up for FACTS?
  8. My employer will be paying for my tuition and fees. They haven’t turned in the Third Party Payment Authorization yet but I need to get registered for classes. What should I do?
  9. I am an international student; can I sign up for FACTS?
  10. My financial aid award has been finalized and it does not cover the full tuition and fee bill.  Is there anyway I can pay the balance in full so that I don’t get charged the $25 enrollment fee?
  11. I signed up for FACTS when I registered. But now, I’ve changed my mind and I want to pay the whole tuition and fee bill before my monthly payments begin. Will my $25 FACTS enrollment fee be refunded?
  12. I registered for classes and signed up for FACTS. Now, I have decided that I won’t be attending school at all this semester and am dropping all of my classes. Will my $25 FACTS enrollment fee be refunded?
  13. I have monthly FACTS payments coming out of my checking account. But I don’t have enough money in the account to cover this month’s payment. What will happen?
  14. I signed up for FACTS last semester. Do I have to sign up for it again if I want to use it this semester?
  15. I lost my credit card and had to cancel it with the credit card company. It was the one that I was having monthly FACTS payments charged to. My credit card company has issued a new card to me with a new number. What do I need to do?
  16. I submitted my FAFSA a week ago. How can I check on its status and the status of my estimated financial aid award package from MCC?
  17. I registered for classes before receiving my estimated financial aid award package. Since then, the package has come through and all of my tuition and fees will be paid through financial aid. I’m still being charged the $25 FACTS enrollment fee. Why?
  18. It’s after the refund period date, but I need to withdraw from all my classes due to outside circumstances.  Payments have already been taken out of my bank account.  How do I stop the payments when I’m no longer enrolled in all my classes?
  19. I signed up for classes early and have already made a monthly payment.  Now, due to outside circumstances, I won’t be able to attend college this semester and have to drop all of my classes.  It is before the final refund period date.  How do I get the money back for the monthly payments I’ve already made?
  20. My FACTS payments are coming out of my account on the 5th of the month.  Can I get this date changed to a different time of the month?
  21. How do I know if I’m a “third party pay”?  If my parents are paying, are they the third-party?
  22. Do I have to sign up for the FACTS plan if I am on a Consortium Agreement with another school?
  23. When and what time will the funds be withdrawn from my bank account?
  24. How will I be notified of my payment information?
  25. Can I pay by phone with FACTS?
  26. What is the FACTS Access Code?

FACTS Questions with answers

1. What if I sign up for FACTS before I get my financial aid award?
If you sign up for FACTS before your receive your financial aid award you will be enrolled in the regular payment plan. When your financial aid is posted to your account it will then reduce your balance or terminate your plan. Your plan will only be terminated if your financial aid covers your entire tuition and fees. Once you sign up for one of the FACTS plans you cannot switch plans. There is a $25 enrollment fee for signing up for FACTS.

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2. Can I cancel my payment plan?
You cannot cancel your payment plan for any reason. Your plan will automatically terminate upon full payment of your tuition and fees.

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3. What if I don’t have a checking account or a credit card but need to register for FACTS?
Because a checking account or a credit card is required to use FACTS, you should work with one of the many local banks or credit unions in our region to get an account set up. You may also open a checking account with Higher One using your My MCCOneCard.

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4. What if I register online but don’t want to pay with a credit card or sign up for FACTS?
If you register for classes online but would like to pay with cash, check or money order, you have until the Friday of the week you register to make payment in person. If we don’t receive your payment by the end of the business day on Friday, your class registration will be cancelled.

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5. I don’t want to wait to receive my estimated financial aid award package from MCC before registering for classes but need to sign up for FACTS. What do I do?
If you register for classes before MCC has prepared an estimated financial aid package for you, you will need to sign up for the regular FACTS plan.  This means that the FACTS Plan enrollment fee of $25 will be taken out and will not be refunded, even if you receive a financial aid award later.

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6. I have registered for classes and signed up for FACTS but now I need to add another class or drop a class. What do I do?
Simply complete the add/drop process as you would normally do online or in person. Your information will automatically be updated with Nelnet, the company that administers FACTS for Muskegon Community College. They will then adjust your payment amount based on the class changes you’ve made, and send you an email outlining the new payment total.

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7. I have a scholarship that will pay all of my tuition and fees for this semester. Do I still have to sign up for FACTS?
Yes.  All MCC students who receive financial aid, including scholarships, must sign up for FACTS. As long as you have received your estimated award package from MCC by the time you register for classes, you can sign up for the Pending Aid program. You will not be charged any program fees if your scholarship and other aid cover your entire tuition and fee amount.

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8. My employer will be paying for my tuition and fees. They haven’t turned in the Third Party Payment Authorization yet but I need to get registered for classes. What should I do?
You can pay by cash, check or credit card and work out a reimbursement with your employer.

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9. I am an international student, can I sign up for FACTS?
International students can either pay in full or sign up for a FACTS payment plan. If you encounter any problems, please contact International Enrollment at (231) 777-0404.

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10. My financial aid award has been finalized and it does not cover the full tuition and fee bill.  Is there anyway I can pay the balance in full so that I don’t get charged the $25 enrollment fee?
Yes.  If you have partial financial aid, you can sign up for the “FACTS – Pending Aid” program.  When in this program, if you pay the difference between your MCC costs and your financial aid, you will not be charged the $25 FACTS Plan enrollment fee. This would need to be paid three business days before your FACTS due date.

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11. I signed up for FACTS when I registered. But now, I’ve changed my mind and I want to pay the whole tuition and fee bill before my monthly payments begin. Will my $25 FACTS enrollment fee be refunded?
No. Once you have registered for FACTS through e-Cashier, the $25 fee is non-refundable.

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12. I registered for classes and signed up for FACTS. Now, I have decided that I won’t be attending school at all this semester and am dropping all of my classes. Will my $25 FACTS enrollment fee be refunded?
No. Once you have registered for FACTS through e-Cashier, the $25 fee is non-refundable.

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13. I have monthly FACTS payments coming out of my checking account. But I don’t have enough money in the account to cover this month’s payment. What will happen?
If your payment will not go through, Nelnet will charge you a $25 fee each time the bank tells them there is not enough money in the account. Nelnet will present the tuition payment request to your bank two more times for payment. Your bank may charge you additional fees for each time it returns your check for insufficient funds. Check with your bank regarding their specific fees and policies.

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14. I signed up for FACTS last semester. Do I have to sign up for it again if I want to use it this semester?
Yes. You must re-enroll in FACTS through e-Cashier for each semester that you wish to use it.

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15. I lost my credit card and had to cancel it with the credit card company. It was the one that I was having monthly FACTS payments charged to. My credit card company has issued a new card to me with a new number. What do I need to do?
Contact Nelnet at (800) 863-2287 and speak to a Customer Service Representative to update your account information.

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16. I submitted my FAFSA a week ago. How can I check on its status and the status of my estimated financial aid award package from MCC?
You will need to check Web Advisor, and look at my documents to make sure the FAFSA has been received. You will need to look at your award letter to know the amount of monies received.  

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17. I registered for classes before receiving my estimated financial aid award package. Since then, the package has come through and all of my tuition and fees will be paid through financial aid. I’m still being charged the $25 FACTS enrollment fee. Why?
The $25 FACTS enrollment fee is non-refundable.  If you choose to register for classes and sign up for the FACTS plan before your financial aid has been packaged, you will have to pay the enrollment fee with no refund. 

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18. It’s after the refund period date, but I need to withdraw from all my classes due to outside circumstances.  Payments have already been taken out of my bank account.  How do I stop the payments when I’m no longer enrolled in all my classes? 
Because you are withdrawing from classes after the refund period for the semester, you are still responsible for paying the full tuition and fee amount for those classes. Full refunds are made on classes that are dropped before the semester drop date published in the class schedule.

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19. I signed up for classes early and have already made a monthly payment.  Now, due to outside circumstances, I won’t be able to attend college this semester and have to drop all of my classes.  It is before the final refund period date.  How do I get the money back for the monthly payments I’ve already made?
Complete all of the proper procedures to drop your classes on Web Advisor or by filling out a Drop and Add form and submitting it to the Student Welcome Center. This will change your status as a student with the college. The College will contact Nelnet of the changes you’ve made and they will adjust your account so that the payments will stop. You should work directly with MCC for a refund of the tuition and fees that have been paid.

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20. My FACTS payments are coming out of my account on the 5th of the month.  Can I get this date changed to a different time of the month?
No. Nelnet deducts all payments on the 5th of each month.

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21. How do I know if I’m a “third party pay”?  If my parents are paying, are they the third-party?
No, third parties can include employees, veterans’ payment, and other organizations such as Michigan Works.  Personal arrangements with family members or other personal contacts do not quality as a “third party payment.”

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22. Do I have to sign up for the FACTS plan if I am on a Consortium Agreement with another school?
Yes, if you have turned in an approved Consortium Agreement to the MCC Financial Aid Office, you will still have to sign up for the FACTS Plan – Pending Aid program.  As long as your tuition and fees are paid by the FACTS due date the enrollment fee and payments will not be taken from your account.

23. When and what time will the funds be withdrawn from my bank account?
FACTS specifies the date each payment will occur, but it is your financial institution that determines the time of day the payment is debited. FACTS recommends you check with your financial institution to determine how far in advance funds should be deposited into your account to ensure the automatic payment clears. If a payment date falls on a weekend or banking holiday, the payment will be attempted the following business day.

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24. How will I be notified of my payment information?
Once your agreement is posted to the FACTS system, you will receive a confirmation notification of your payment amount by e-mail or letter. Payments will be processed until the total balance is paid in full. The notification has important information you must have to log on to your My Payment Plan. The notification also serves as a reminder that a $25 nonrefundable enrollment fee will be processed from the account indicated on the agreement.

25. Can I pay by phone with FACTS?
In accordance with the Terms & Conditions of your FACTS agreement, payments are processed electronically. FACTS does not accept payments by phone.

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26. What is the FACTS Access Code?
To help protect your privacy, FACTS asks the person responsible for the payments to create an access code. If you should call into FACTS inquiring about your FACTS agreement or inquire online through My Payment Plan, you will be required to verify your FACTS Access Code. If you do not create an access code on your FACTS agreement, one will be randomly assigned to you. Your FACTS Access Code will be identified on your FACTS Confirmation Notification. Please remember to keep a copy of your confirmation notification.

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