Terms and Conditions of Financial Responsibility

University of Wisconsin-La Crosse Educational Services Credit Agreement

By checking “Agree”, I have read and agree to the Terms and Conditions of Financial Responsibility on the WINGS registration page, I am entering into this Agreement which will become effective on the date captured by my electronic signature.

I would like to enroll in and attend classes at the University of Wisconsin – La Crosse (UWL).

In order to attend classes at UW-L and remain registered for classes, UW-L requires that I pay, in full, the amount of any fees,tuition, housing and meal plan costs, and other miscellaneous charges incurred in connection with my attendance at UW-L, on the dates indicated by UW-L for each semester (each such due date, a “Fee Due Date”)

I agree to use my WINGS account to obtain the most accurate and current information regarding any amounts owed and Fee Due Dates, to check that account monthly, and to read the on-line published fee information located at the Cashier’s Office website (http://www.uwlax.edu/cashiers) each semester for additional date and payment information.

Although all amounts owed are payable on the relevant Fee Due Date indicated for such amounts in WINGS, UW-L recognizes that students, including myself, may not make such payments in full on the relevant Fee Due Dates for each semester. At its discretion and if certain requirements are met, UW-L will extend credit to me to allow me to pay certain past due amounts in installments.

This extension of credit will allow me to make payments in monthly installments later in the semester.
All amounts owed must be paid in full prior to registration for any future term. Finance charges will be assessed on any amounts not paid by the relevant Fee Due Date.

I am being asked to sign this Agreement now so that, in the event that I am unable to pay the entire balance of fees, tuition, housing and meal plans by the Fee Due Date for any fall, winter intersession, spring or summer semester, UW-L will extend credit to me on any eligible amounts.

The consequences of failure to pay amounts owed by the relevant Fee Due Dates are outlined in the provisions below.

Terms of Agreement

In consideration of the extension of credit to me, from time to time, by the Board of Regents of the University of Wisconsin System, on behalf of UW-L, I hereby acknowledge and agree as follows:

        1. I agree that UW-L may, at its discretion, extend credit to me for any fall, winter, spring or summer semester
            outstanding amounts, as detailed below:

                (i) To qualify for the extension of credit for a given semester, I must make a minimum $100 deposit on all fees
                    assessed or merchandise items or services purchased prior to registration.

                (ii) A finance charge at an annual percentage of 12% (1% monthly periodic rate) will be assessed on the balance
                    subject to finance charge and such fee is due no later than the Fee Due Date. The balance subject to
                    finance charge is computed by subtracting from the previous balance outstanding at the beginning of the
                    billing cycle all payments received within 30 days of the billing date, and adding any charges made during the
                    billing period. All monthly statements are payable upon receipt (not to exceed 30 days from the billing date).

                (iii) Any amounts due and unpaid by any Fee Due Date will accrue interest as indicated in section 2(ii) from such
                     date. (Amounts will not accrue interest unless and until a payment is missed.)

                (iv) UWL has the right to deny credit for future semesters without further notice to me.

        2. Finance Charges & Amounts Owed. I agree to pay:

                (i) The amount of any and all fees, tuition, housing, and meal plan charges, and any other charges related to
                    UW-L’s provision of educational services to me, assessed by UW-L and charged to my WINGS account.

                (ii) Interest on any unpaid amount of any and all fees, tuition, housing, and meal plan charges and other charges
                    related to UW-L’s provision of education services to me, from the Fee Due Date of each such amount
                    (as indicated in WINGS), until such amount shall be paid in full, at a rate of 12% per year (1% per month;
                    provided, however, that interest will not accrue on any amounts until the due dates indicated in WINGS.

                (iii) Any other late charges (“Late Charges”) and collection costs (“Collection Costs”) that may become due as
                     provided in this Agreement.

        3. Prepayment. I may pay the remaining balance on my account, in full, at any time to avoid or reduce future finance
            charges.

        4. Term of Agreement. This Agreement is effective as of the date signed below and will continue to be in effect
            throughout my time of study at UW-L.

        5. Waiver of Notices, etc. I hereby expressly and severally waive by myself as the debtor, demand of payment,
            presentment for payment, notice of dishonor, notice of non-payment, and all other notices except those required
            by law, and I further agree that this agreement is controlled by the holding of Board of Regents of the University
            of Wisconsin System v. Mussallem 94 Wis.2d 657, 289 N.W. 2d 801 (1980), and that UW-L may, without notice to
            myself as the debtor, and without affecting the liability of myself as the debtor, renew and/or extend this
            agreement, accept partial payment thereon, or settle or compromise the amount due or owing.

        6. Release of Information. I am hereby being given notice and give my consent, as may be required by law, (i) to allow
            UW-L, at its option, to report favorable and unfavorable credit information pertaining to myself (i.e., credit ratings,
            etc.) to credit bureaus and other non-campus third parties and, (ii) in the conduct of its credit granting and
            collection activities, to release my Social Security Number to non-campus third parties.

        7. Marital Property Act. I understand that, if I am married, credit will not be extended to me under this Agreement
            unless I complete and return the Marital Property Act Form which will be mailed to my home address.

        8. Collection Costs & Late Fees. In the event that I fail to timely comply with the payment obligations detailed in this
            Agreement, I further agree to pay all costs of collection incurred by UW-L, including, but not limited to, collection
            agency fees, credit bureau fees, legal filing fees, service of process fees, publication fees, witness fees, reasonable
            attorney fees and recording fees and to pay any late fees assessed by UW-L. Collection Costs, at a rate of 35%,
            will be assessed on any past due balance and will be added to my account balance 30 days after my last term of
            attendance. I also understand that UW-L may certify my past due balance to the Wisconsin Department of Revenue
            and make a claim for the total due against refunds, overpayments, lottery payments, or vendor payments owed me
            by the Department of Revenue or Department of Administration.

By agreeing to these terms and conditions on WINGS, I agree that I have read and understand the terms of this Agreement and I will be able to register for classes at UW-L.