<p>The first e-bill is very confusing to new admits. Here are some important points:</p>
<p>1 - The e-bill is an electronic equivalent of a paper statement. it is prepared on one day and sent, then never is updated. Whether you pay or not, whether charges are adjusted, anytime you look at the e-bill for that month it will be exactly as it was when first produced. </p>
<p>2 - Any changes during a month and all payments or credits will show up on the following month’s e-bill, just like a paper statement as was done last century. </p>
<p>3 - Your account is tracked on CARS, from which the e-bill is a one day picture, but the CARS record is up to date, usually current for all changes up to the day before you look at it (could be slightly more over weekends and holidays, but essentially current balance).</p>
<p>4 - The school lists a total amount owed plus two different amounts to pay this month. The total amount is itself confusing, see item 5 below. The two ‘pay this now’ amounts depend on whether you choose to spread a semester’s tuition payments out over five months or pay them all at the start. This is confusing because housing is always spread across five months each semester, there is no ‘pay it all at the start’ choice. </p>
<p>5 - The total you are said to owe starts out with the housing contract amount for the year, plus one semester’s ‘tuition’. For simplicity, if your housing will cost $15,000 for the year and your tuition is $6,000 for each semester, the total due will be $21,000. It will not show the expected cost of a full year ($27,000) but also is not just one semester of housing (not $13,500 which is half of the full year expected cost). I think it is a silly legal thing because the housing contract says you agree to a full year, thus owe for a full year, even if you were to leave Cal after just one semester. The reality is there are always students waiting for a space and thus you really won’t end up eating the year even if you leave, but I guess the lawyers make them list it as a full year debt. </p>
<ol>
<li><p>Tuition is charged on a per-semester basis (Fall and Spring, summer session is not a semester and has no tuition. If you take summer classes they are a standard cost per unit, while regular semesters are a fixed price for the semester regardless of units taken.</p></li>
<li><p>Each semester, you have the option of accepting the deferred payment plan for that semester’s tuition. That plan divides the tuition up into five equal payments, one per month. There is a $40 fee per semester to use this plan.</p></li>
<li><p>The account lists two different ‘pay this now’ amounts, one that is what you pay if you want the deferred payment plan, the other is what you pay if you are going to cover all the tuition for the semester in the first month. Nothing else to do to select the deferred payment plan, just pay less than 100% of the semester’s tuition and you are on the plan. </p></li>
<li><p>The first month, you will have the two possible amounts to pay, plus the total owed (but is not all due in this month). For the hypothetical example of $15,000 housing contract and $6,000 per semester tuition, the first month e-bill would be (approximately, ignoring small one time charges)</p>
<ul>
<li>total owed $21,000</li>
<li>pay now w/deferred $2,700</li>
<li>pay now no deferral $7,500</li>
</ul></li>
</ol>
<p>That is calculated by dividing the housing contract into ten equal monthly payments, only the first of which is due in the first month. Then, the tuition is either all paid the first month ($6,000) or 1/5th is due ($1,200). Adding them gives you the values.</p>
<p>Lets assume you pick the deferred plan. Here is what you would see for the second month’s e-bill statement:</p>
<ul>
<li>total due $18,340 (your payment reduced, but $40 fee for deferred plan assessed)</li>
<li>pay now w/deferral $2,740 (2,700 every future month of the semester)</li>
<li>pay now no deferral $6,340 (remaining 4,800 of tuition plus months housing)</li>
</ul>
<p>Gonna be many questions and lots of confusion about this for the next two months, as there was each past year.</p>