Financial Responsibility

Students assume responsibility for all costs incurred as a result of enrolling at Santa Clara University. It is the student’s responsibility to be aware of his/her account balance and financial aid information, and to maintain current valid address information at all times to ensure receipt of all University correspondence in a timely manner.

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 for services rendered by the University 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. Refer to: for details. Tuition and fee rate differences found in other publications will not be honored.


Application Fee (nonrefundable) $75.00
Initial tuition deposit $250.00
Final tuition deposit $550.00
Tuition and Fees:
First-year, full-time division students (per year)
(Tuition is charged on a per unit basis)
First-year, part-time division students (per year)
(Tuition is charged on a per unit basis)
Upper-division students (per semester unit) $1,688.00
LL.M. students (per semester unit) $1,894.00
Registration cancellation fee (academic year) $250.00
Student Health Insurance (annual fee) $2,896.00
Late payment fee (per billing statement) $100.00


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.

The Law registration cancellation fee is not assessed in the fall semester of the first year of enrollment.

Health Insurance

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, 2016 and terminates on August 14, 2017.  The annual premium cost is $2,896.00.   Students with comparable health insurance must complete the Online Waiver Form with their own insurance information prior to the August 19, 2016 FINAL waiver deadline date.  To access the waiver and enrollment form please go to 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 below:

  • By July 27, 2016 – Health Insurance Waiver must be completed to avoid being charged $2,896.00 to your student account for the annual health insurance.
  • After July 27, 2016 – Online Health Insurance Waiver form must be completed by the law waiver deadline date of August 19, 2016 in order to have the health insurance charge reversed from the student account within 3-5 business days.
  • After August 19, 2016 – The health insurance charge will remain on the student account until paid.  THIS CHARGE WILL NOT BE REVERSED and must be paid along with all late payment fees.

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 for detailed information.

  • Currently an enrolled dependent on a spouse/parent or partner 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.
  • Currently enrolled in Santa Clara County Medi-Cal.

The following types of insurance plans/programs are not acceptable and will not be considered:

  • Insurance plans that are 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

Parking permits are required for all users of University parking facilities. Permits can be purchased at Transportation Services.

Housing Plans

Housing plans are available at

Billing and Payment Procedures

Student Accounts and Billing

Students assume responsibility for all costs incurred as a result of enrolling at Santa Clara University and agree to abide by applicable University policies and procedures.  Students may designate a third party (e.g. spouse) to be an authorized payer for their student account. That individual is authorized by the student to have access to his/her billing statements, student account activity including financial aid disbursements, and to make payments on the student’s behalf. However, it is still the student’s responsibility to make sure all financial obligations are completed by the published deadlines. Once authorization is arranged, the authorized payer will be notified via the e-mail address provided by the student.

Students will receive monthly billing statements which are available to view online. A billing notification will be sent to the student’s University e-mail address and to the e-mail address of any payer authorized by the student. Students also may forward their student account statements electronically to any third party they authorize for remittance. Information on a student’s account cannot be provided to third party payer unless a completed Family Educational Rights and Privacy Act 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 payment deadline. Students enrolling after the initial billing of any quarter may be required to pre-pay for tuition before enrollment is granted. Registered students who do not withdraw formally from the University are responsible for all tuition and fees assessed to their accounts 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.

More helpful information, including detailed instructions on Santa Clara’s billing and payment procedures, are located at

Billing dates and deadlines

Fall 2016 – Billing available July 1; payment due July 21

Spring 2017 – Billing available December 1; payment due December 21

Summer 2017 – Billing available May 1; payment due – May 21*

*(summer abroad program tuition is due April 21)

Payment Methods

Santa Clara University offers the following payment methods to students to assist with their financial obligations.

Payment by Electronic Check

A student or authorized user may make online payments by authorizing a fund transfer directly from his/her personal checking or savings account through the SCUpay system. Students will login to eCampus to complete their transaction; authorized users will login to a separate URL provided at the time their access is created.

Payment by Mail

Payment by personal or cashier’s check for student account charges should be mailed to: SCU Payment Processing, PO Box 550, Santa Clara CA 95052-0550. It is extremely important to include a copy of the student’s billing statement to ensure accurate and timely posting.  Please do not send payments to the general campus address or your payment may be misplaced or significantly delayed.

Payment in Person

Payments for student account charges may be made in person by personal/cashier’s check, money order or cash at the Enrollment Services Center in the Admissions & Enrollment Services Building. The University is not able to accept any electronic form of payment, including debit or credit cards.  However, there are computer kiosks located in the Enrollment Services Center for the convenience of students and payers to make electronic payments.

International Payment by Wire Transfer

International students may submit payment quickly and securely by going to  Students are able to benefit from excellent exchange rates and payment can usually be made in the student’s home currency.

Payment Plans

Students have the option to enroll in a term monthly payment plan for tuition and housing costs to assist with budgeting needs. Students must be in good financial standing to enroll in a payment plan. There is a modest fee to enroll in a plan, however no interest or additional fees are charged as long as payment is received per the agreement. All payments are remitted electronically. The first is due upon enrollment and students authorize the University to extract remaining payments from their designated bank account.

Please note: This option is not a deferral for students with financial aid. All aid will be applied to the student’s account and any remaining balance can be placed on a payment plan. More information can be found on the Bursar’s Office webpage.

Delinquent Payments

If all charges on a student’s account have not been cleared by payment, financial aid, or loan disbursement, 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 transcripts or diplomas, and 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 10 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.

Billing Disputes

If a student believes there is an error 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 error 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. An adjustment will be made on the student’s account for any incorrect charges. If the amount in question is found to be valid, payment must be submitted to the Enrollment Services Center immediately upon notification.

Tuition Insurance Protection

Students may protect themselves from loss of funds paid toward tuition/fees, by purchasing tuition insurance provided by A.W.G. Dewar Inc. This low cost plan is designed to assist those that have an unexpected withdrawal from the University due to medical reasons. Plan enrollment is available annually or by quarter. Enrollment must be complete before the first day of school to be eligible for insurance benefits. For more information visit:

Tuition Refund Policy and Processes

Process Students may be eligible to receive a refund due to excess financial aid or change in enrollment. Refunds are not provided for an overpayment on an account. The refund process begins after the late registration period of each term. Students must have a credit balance before a request can be processed. Students should enroll in direct deposit, prior to requesting a refund, to obtain their funds quickly and securely.  Refunds by check method is delayed significantly.  Payment on a student’s account received by personal check will have a 21-day hold before a refund can be issued; a 5-day hold will be imposed for electronic check payments.  More information on the refund criteria and process is located at

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 registration fees, student activity fees, or course audit fees.

The effective date used for the determination of any tuition refund is the date on which notification of withdrawal is received by the student’s respective Records Office or the date on which the student drops his or her course online—not the last date of attendance. Students who fail to drop a course, even if they do not attend, or fail to notify the University of their intent to withdraw, regardless of the reason, will be responsible to pay all tuition and fee charges. The Records Office for the Law School is Law Student Services ( or 408-554-4766).

Neither informing an individual faculty member, an academic department, nor 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 the Records Office receives notification.

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 schedule:

The start of the semester is considered to be the first date on which instruction begins in the School of Law. The following schedule does not apply to students who reduce their course load.

– Students who withdraw from the University or drop courses by the end of the first week of classes will receive a full refund of tuition for the semester, less any applicable fees.

– Students who withdraw from the University or drop courses by the end of the second week of classes will receive a 60 percent refund of tuition for the semester, less any applicable fees.

– Students who withdraw from the University or drop courses by the end of the third week of classes will receive a 40 percent refund of tuition for the semester, less any applicable fees.

– Students who withdraw from the University or drop courses by the end of the fourth week of classes will receive a 20 percent refund of tuition for the semester, less any applicable fees.

– 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 percent 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.


The following refund schedule applies to students who formally withdraw or drop courses for the summer session:

– Students who withdraw from the University or drop courses by the end of the first week of classes will receive a full refund of tuition 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 percent refund of tuition 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.

Financial Hardship

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 term.

Santa Clara University degree students who withdraw from the University or who are administratively withdrawn from the University after the third week of the term due to a qualifying financial hardship may be eligible for an allocation from the student hardship fund for 25 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 Financial Aid Office. The University realizes that the quality education offered at Santa Clara requires a serious commitment from the student. Depending on the student’s eligibility, a financial aid package may include any combination of scholarships, loans, and work-study. More information can be found by visiting the Santa Clara Law Financial Aid website.

Enrollment Status and Financial Aid Eligibility

Students must be enrolled at least half-time to receive Federal financial aid. Half-time status is based per program and the following rules apply to Federal loans:

School of Law, Day – enrolled in a minimum of 6 units

School of Law, Evening – enrolled in a minimum of 4 units

School of Law, LL.M. – enrolled in a minimum of 6 units

To remain eligible for financial aid, students must be enrolled at least half-time and must be making satisfactory academic progress. Students who drop below half-time status must notify the Law Financial Aid Office immediately. Eligibility for scholarships and loans will be affected by enrollment status. Students who drop below half-time status 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.

Students who began prior to the fall of 2016 are required to maintain a minimum cumulative 2.33 grade point average for all completed courses in order to avoid disqualification. Students who begin in the fall of 2016 or thereafter are required to maintain a minimum cumulative 2.40 grade point average for all completed courses in order to avoid disqualification. If an award has been made to a student who disqualifies, the award offer will be withdrawn. A disqualified first-year student who is readmitted as a second year student on directed study, following successful completion of the First-Year Law Students’ Examination, will be considered to be in good standing for financial aid purposes, but the previously withdrawn award offer will not be reinstated.

Financial aid recipients, who were awarded aid based on full-time registration, and then transferred to part-time status, must inform the Law Financial Aid Office of their new status by completing the Status Transfer Petition. Changing the enrollment status may affect a student’s award eligibility.

Federal Aid

Federal aid is available to law students who are citizens or permanent residents of the United States. To apply, students must file the Free Application for Federal Student Aid (FAFSA) annually. To be eligible, applicants for federal aid must attend school at least half-time. Eligibility for need-based aid is based on the need analysis formula as legislated by Congress: Cost of Attendance – Expected Family Contribution = Financial Need.

NOTE: The Deficit Reduction Act of 2005 (DRA) suspends federal aid eligibility for students convicted under federal or state law of sale or possession of drugs while they are enrolled in a postsecondary institution and are receiving federal aid.

Federal Direct Unsubsidized Loan

The Direct Unsubsidized Loan generally known as the Stafford Loan is a federally funded low-interest student loan administered by the United States Department of Education through the William D. Ford Federal Direct Loan program. Under the Federal Direct Unsubsidized Loan program, a student may borrow funds for education-related expenses and defer repayment until six months after graduation or when enrollment status drops below half-time. Eligibility for unsubsidized Federal Direct Loans is determined through completion of the FAFSA. Interest is charged on unsubsidized Federal Direct Loans while the student is enrolled in school and during any grace or deferment periods.

Federal Direct Graduate PLUS Loan

Graduate and professional degree students are eligible to borrow from the Direct Graduate PLUS Loan Program, administered by the United States Department of Education through the William D. Ford Federal Direct Loan program. Under the Direct Graduate PLUS Loan Program, students may borrow up to their cost of attendance minus other estimated financial assistance. The terms and conditions applicable to Parent PLUS Loans also apply to Direct Graduate PLUS loans. These requirements include a determination that the applicant does not have an adverse credit history and repayment beginning on the date of the last disbursement of the loan. Applicants for these loans are required to complete the FAFSA. They also must have applied for their annual loan maximum eligibility under the Federal Direct Unsubsidized Stafford Loan Program before applying for a Direct Graduate PLUS Loan. Contact the Law Financial Aid Office for more information.

Entrance Counseling and the Master Promissory Note (MPN)

Prior to the first disbursement, first-time Federal Direct Loan borrowers must complete entrance counseling and a MPN for the Direct Unsubsidized Loan and, if they accept it, a MPN for the Direct Grad PLUS Loan. Students will need to visit and log in to complete these requirements.

Perkins Loan

A Federal Perkins Loan is a low interest (5 percent) loan available to only a few students that have exceptional financial need. Completion of the FAFSA is required. Prior to loan disbursement, a student will need to complete Perkins Loan Entrance Counseling and the Perkins Loan Master Promissory Note.

Federal Work-Study

Federal Work-Study provides jobs for a limited number of law students with financial need, allowing them to earn money to help pay educational expenses. Completion of the FAFSA is required.


Santa Clara asks that applicants file the FAFSA as soon as possible after January 1, but no later than April 15. Students must complete the FAFSA annually to remain eligible for financial aid.

Private Loans

Private loan programs, including bar study loans, offer a supplemental source of assistance for which need is not part of the eligibility criteria and approval is based on satisfactory credit and the ability to repay. Private loan applications and further information regarding available loans may be obtained from the Law Financial Aid Office.

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 32 (Post-Vietnam Era Veterans’ Educational Assistance Program), 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 the Office of the University Registrar.

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 William D. Ford Federal Direct Stafford Loan
  • Federal Perkins Loan
  • Federal Direct Graduate PLUS Loan

Exit Counseling

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 The Law Financial Aid Office will notify students when this requirement should be completed. Perkins Loan borrowers must also complete exit counseling through Santa Clara University’s loan servicer Heartland ECSI. The loan servicer will notify Perkins Loan borrowers when this requirement should be completed.

Student Verification of Information

The United States Department of Education requires all institutions disbursing federal financial aid funds to verify the accuracy of the information students submit as a basis for aid awards. Santa Clara University complies with this requirement by participating in the Federal Quality Assurance Program. Each year, a percentage of students receiving federal financial aid funds are randomly selected for verification of the information upon which awards were based. Students selected for verification may be required to submit additional documents and verify information, such as household size and number of family members enrolled in college. The University reserves the right to request similar information for verification purposes for any student awarded aid. Information collected may result in changes to a financial aid award and, in some cases, the repayment of funds already received. Failure to comply with the request for this information will result in the cancellation of financial aid funds.


For information on Santa Clara Law scholarships, refer to scholarship opportunities for incoming students and scholarships for continuing students on the Santa Clara Law Financial Aid website.

International/Foreign-Born/Naturalized Students

No specific grants or scholarships have been set aside exclusively for international students. International students compete with the general applicant pool for scholarships. Nonimmigrant visa holders are not eligible for federal student aid (i.e., federal loans, federal work-study). However, permanent residents and naturalized citizens are eligible and may apply for federal based aid.  More information can found at the Santa Clara Law Financial Aid website.

For questions regarding financial aid, contact the Law Financial Aid Office at (408) 554-5048.

Questions regarding visa status and international student status may be directed to Santa Clara University’s International Student Services Office.