Financial Aid

University Of Metaphysical Sciences offers financial aid by financing educational loans itself that might otherwise be unavailable to students. This is offered in place of federal student loans and serves in exactly the same way, with extremely low interest rates, comparable to the low interest rates available through government agencies. University Of Metaphysical Sciences' short, medium and long term payment plans are opportunities for those of lesser financial means to enroll in the curriculum.

Reduced tuition is offered during promotional periods each year.

Postal Delivery Of All Courses (CA Residents add 9% sales tax)
Prices include shipping within the USA.  Foreign shipping charges are due with the initial tuition payment or tuition down-payment.
Prepayment plan: $385 (CA residents add $34.65 sales tax) *
Short Term Payment Plan, course materials: $37.50 monthly/11months, $412.50 total *
(CA residents add $3.38/month sales tax)
Medium Term Payment Plan, course materials: $19 monthly/23 months, $437 total *
(CA residents add $1.71/month sales tax)
Long Term Payment Plan, course materials: $9.69 monthly/48 months, $465 total *
(CA residents add $.87/month sales tax)
*Some countries require extra shipping and handling charges.  Contact us for special circumstances. The extra fees needed for postage overseas can range from $10 to $50 per shipment of courses.

Partial Internet Downloads (PDFs only, low-speed connection is ok) / Partial Postal Delivery (CDs instead of Mp3 downloads, which require high speed internet connection)
Prices include shipping within the USA.  Foreign shipping charges are due with the initial tuition payment or tuition down-payment.
Prepayment Plan: $285 (CA residents add $25.65 sales tax).  
Short Term Payment Plan: (first 5 months) $61.00 each payment, total of $305 (CA residents add $5.49/month sales tax).
Medium Term Payment Plan: (first 10 months) $32.00, total of $320 (CA residents add $2.88/month sales tax).
Long Term Payment Plan: (first 22 months) $15.25, total of $336 (CA residents add $1.40/month sales tax).  
*Some countries require extra handling charges.  Contact us for special circumstances. The extra fees needed for postage overseas can range from $10 to $50 per shipment of courses.

Internet Downloads, All Course Materials (PDF and MP3 files, high speed connection necessary)
If you would like to pay for internet downloads all at once, even if you have signed up for the short, medium or long term payment plans, you are welcome to choose the prepayment plan for internet downloads. You may also sign up for shorter plans for course materials if you are on the medium or long term plan, but courses will still be delivered at the specified rate determined by the tuition payment plan you selected. This plan requires no money for postage, even in other countries. Diplomas are sent in the mail, but there is no extra charge for that.
Internet downloads of all courses, Prepayment Plan: $155 (CA residents add $13.95 sales tax)
Internet download Short Term Payment Plan: (first 5 months) $33.60 each payment, total of $168 (CA residents add $3.03/mo sales tax)
Internet downloads Medium Term Payment Plan: (first 10 months) $18.90, total of $189 (CA residents add $1.70/mo sales tax)
Internet downloads Long Term Payment Plan: (first 22 months) $9.50, total of $209 (CA residents add $.86 /mo sales tax)

 

Tuition Payment Plans

UMS Tuition	Prepay	Short Term	Medium Term	Long Term
Tuition Payment Plans	$1995	$2,390	$2,490	$2,590
Downpayment (not additional $, this is part of the above amount in the Tuition Column)	N/A	$395	$295	$195
Monthly Payments	N/A	$181.36 11 months	$95.44 23 months	$49.89 48 months

Tuition is in addition to your Course Materials Payment plan. There are no hidden fees or charges, you do not have to pay extra charges to keep your degree current or valid like with some other schools. Once you earn your degrees, they are yours for life with no further obligation to UMS or the church.

Tuition Payment Plans are explained below.

Tuition Prepayment Plan
Regular Tuition: $3,025
Reduced Tuition: $1,995 (Includes all three degrees, this is not per degree, you get all three for $1,995)
payment in full at time of enrollment
plus $385 for course materials or $155 if downloading from the internet
Save $1,030 on the prepayment tuition plan
(You will receive 8 courses per month)

Bachelors, Masters and Doctorate Degrees are awarded as the student completes curriculum requirements. Delivery of course materials is spread out over a year unless the student specifies that he or she would like to take the courses more slowly.

Tuition Short Term Payment Plan
Regular Tuition: $3,290
Reduced Tuition: $2,390 (Includes all three degrees, this is not per degree, you get all three for $2,390)
$395 down payment, $181.36 monthly/11 months
Save $900 off regular tuition prices in the short term tuition plan
(You will receive 8 courses per month)

The short term plan is for students who have more financial means and can pay approximately $200 per month, but not enough to pay full tuition. This is a plan that will keep the student on schedule as courses are completed, with no lag time between courses because of slower payments, as in the medium or long term payment plan.

The following are financial markers for awarding degrees:
Bachelor's Degree awarded: $1,500
Master's Degree awarded: $1,500 + $690 = $2,190
Doctorate Degree awarded: $1,500 + $690 + $200 = $2,390

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Tuition Medium Term Payment Plan
Regular Tuition: $3,390
Reduced Tuition: $2,490 (Includes all three degrees, this is not per degree, you get all three for $2,490)
$295 down payment, $95.44 monthly/23 months
Save $900 off regular tuition prices in the medium term tuition plan
(You will receive 4 courses per month)

This plan is for the student who can afford approximately $100 per month. Courses are given out more slowly as the student pays more slowly, but courses can be taken more quickly than in the long term payment structure. Courses are spread out over two years rather than one year.

The following are financial markers for awarding degrees:
Bachelor's Degree awarded: $1,600
Master's Degree awarded: $1600 + $690 = $2,290
Doctorate Degree awarded: $1600 + $690 + $200 = $2,490

Tuition Long Term Payment Plan
Regular Tuition: $3,490
Reduced Tuition: $2,590 (Includes all three degrees, this is not per degree, you get all three for $2,590)
$195 down payment, $49.89 monthly/48 months
Save $900 off regular tuition prices in the long term tuition plan
(You will receive approximately 2 courses per month)

This is a four year loan/payment plan for students who can only afford $50 per month. The advantage of the long term payment plan is financial leniency on the student's budget as far as down payment and monthly billing cycles. The disadvantage is that the student must move through the courses more slowly unless he or she makes lump sum payments in order to speed up his or her progress through the courses. Courses are sent out in packets according to where the student is in his or her payment plan.

In University Of Metaphysical Sciences' experience, students make larger payments in the months they have more money so they can move through the courses more quickly. Students rarely need the full 48 months to finish their doctorate degree, for finances fluctuate and sometimes a student can pay more in financially better months. Often, the student improves his or her finances by using some of the techniques in the course materials and audio meditations.

The advantage to the long term loan is that the student can at least get started and begin studies. Even though the student must progress at a rate which reflects the monetary value of the course materials, getting started is the first important step. The student can pay more when he or she wants to, yet is never obligated to more than $49.89 per month if finances are low in any given month.

The following are financial markers for awarding degrees:
Bachelor's Degree awarded: $1,600
Master's Degree awarded: $1,600 + $790 = $2,390
Doctorate Degree awarded: $1,600 + $790 + $200 = $2,590

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Tuition Reductions For Spouses & Family Members
If a student's husband/wife (same sex marriages are also welcome) or immediate family member (mother, father, daughter, brother) would like to enroll in the program, a 5% reduction in tuition is available for the student who refers his or her immediate family member or spouse. This is not applicable to roommates or friends.