Student financial Q&A | FALL 2025

We are so thankful that you have chosen to study at Union Adventist University, and we are committed to providing you with a top-quality education while helping you build a great community of friends and a growing relationship with your Creator.

As you may have heard, we are building better systems and processes to improve clarity about your student account, strengthen Union’s ability to continue to provide a great educational experience, and help you continue to grow into a highly sought graduate who lives joyfully in God’s calling.

Here a compilation of questions and answers related to changes for Fall 2025.

You can always get help here:

Q: How much is my first payment?

A: That depends. You received a message from our accounting team a couple of weeks ago explaining that everyone’s first payment in August would be $1,000. Many of you shared your concerns about this — especially if your monthly payments would be less than $1,000.

We listened to what you had to say and made a little adjustment:

Your first payment due at registration is either A) your estimated monthly payment or B) $1,000, whichever is less.

So how does this work?

We typically don’t know your exact charges or financial aid in August. So we’ll estimate them from your financial plan and calculate an estimated monthly payment.

  • Let’s say your estimated monthly payment is less than $1,000, maybe $500. Then your payment due at registration would be $500.
  • Maybe your estimated monthly payment comes out to be more than $1,000, let’s say $1750. Your payment due at registration will be $1,000. Simple, right?
  • Keep in mind, this first payment due will be in addition to any balance carried over from the previous year. This amount needs to be paid as well.

We are here to help you every step of the way. Remember, you can always see your financial picture at a glance on your student statement at uau.edu/statement.

Q: How will payment plans work this year?

A: We are introducing a new process designed to give you a clearer, more accurate picture your charges each semester, making it easier for you to plan and management your payments.

Starting in 2025-2026, here’s how your payment schedule will work:

  • Your first payment will be due at registration (when classes begin) as described in the previous email (read it here).
  • When your charges for tuition, housing, etc., are applied to your account in August, Union will take your total charges and subtract all estimated financial aid FOR THE SEMESTER. This result will show the balance you owe for the current semester.
  • We will then divide what you owe into four equal payments due on the 10th of September, October, November and December (or February, March, April and May for spring).

Note: The monthly payment will adjust up and down during the semester if you add additional charges (such as increasing your meal plan) or get an extra scholarship (excellent surprise!).