Payment Options

Log in to payment site using your Norse Key, and select “make a payment.” It accepts e-checks (ACH), domestic debit or credit cards, international bank wires, and international credit or debit cards. Processing fees apply, except for e-checks (free).

Log in to Transact

To access your student’s account balance on payment site and receive emails about payment plans, your student needs to send a payer invitation to you by following these steps:

• Log in to payment site
• Select “Send a payer invitation” and enter your parent or guardian’s name and email address.

Once your student has sent this payer invitation:

• You will receive an email from sender “payments-noreply” with a username and initial password. Use contents of this email to establish your own account.
• If your student is enrolled in a payment plan, you will receive future email communications about your scheduled payments.

You can make a payment as a guest. Go directly to the payment website. Note: You will not see your balance information using guest access.

1. Select “Pay as a guest.”
2. Enter your student ID 7-digit number; include leading zeros.
3. Enter your last name.
4. Under “Available items,” choose “Miscellaneous.”
5. Enter the amount you would like to pay. Select “Add to payment.”
6. Select “Checkout.”
7. Choose a payment method. Options include credit or debit card (2.95% processing fee), or bank account (free).
8. Select “Continue,” then review and agree to the terms.
9. Enter your email address to receive a confirmation email after you select “Pay.”

Starting on July 1, you can enroll in a fall semester payment plan through our payment website.

New for the 2026-27 academic year, we are offering flexible payment terms. Choices include:

• the frequency of your payment (weekly, bi-weekly, monthly)
• the number of payments
• your first payment date (in July or August)

Final fall semester payments are due by the end of November.

Enrollment fee: $35 per semester enrollment fee. Autopay is required.

Students and registered parents will receive an email 5 days before a scheduled payment is processed. Your scheduled payment amount can be viewed anytime on the payment site.

Additional charges or credits that result in balance changes will affect future scheduled payment amount(s).

Step-by-step instructions for establishing a payment plan:

• On the overview page, find the payment plans section.
• Select “View payment plan options.”
• Choose the terms that are best for you and then select “Enroll in plan.” You will be presented with your payment schedule and the Terms and Conditions.
• To accept the Terms and Conditions, select “I agree” and enter your 7-digit student ID number.
• Choose your payment method: credit or debit card, bank account, or international transfer.
• Review the auto pay terms and conditions and select “I agree.”
• Verify your information on the next screen. Select “Enroll.” You receive a copy of the payment schedule via email.

If you have questions on the process, select the help menu or use the team chat option.

Payment plans can be used in addition to work study earnings. To apply some or all of your work-study earnings to tuition, see work-study earnings.

Some 529 providers are enabled for use directly in our payment site. Beneficiaries or account owners of these 529 plans can make one-time payments or enroll in recurring payments in Transact. A one-time flat fee of $10 is charged. Visit the payment support website to find the list of providers that it has enabled.  

Checks can be mailed to Luther College, Attention: Student Accounts, 700 College Drive, Decorah, IA 52101. Checks and cash are accepted in our office, Main 120 (first floor).

Use Luther’s Fin Aid self-service form to disclose scholarships awarded and not yet disbursed. Allow 5 business days after submitting the form for scholarship funds to be posted as pending to your account.

• Federal loan(s) are automatically applied to your balance.
• To decline or change the amount of your loan funds, Fin Aid self-service form. Allow 5 business days after submitting the form for loan funds to be removed from your account.
• If you are accepting Stafford loans, your account balance will reflect your loan proceeds after August 25, once entrance counseling has happened and the master promissory note has been signed.

If your 529 provider is not available through payment support website, request disbursement from your plan provider’s website at least 3 weeks before the due date. Direct funds to be sent to Luther College. Provide the student’s name and ID number on your payment remittance.

Complete the work-study payment form to apply all or a portion of your work study earnings to your balance. Your earnings will be added bi-weekly. You have two options for applying your earnings to your bill: 

• Pay for the current semester; you can carry a balance due of up to $900 (or your estimated semester’s work earnings, if less than $900).
• Apply your current semester’s earnings to the next semester’s balance. 

If you are using a monthly payment plan, future scheduled payment amounts will automatically be reduced as work payments are received.

Note that only Luther students have access to the work-study payment form. 

Contact the Financial Aid team at finaid@luther.edu, phone 563-387-1018; or see Loans to find loan provider’s links. Consult with Student Accounts on specialized payment needs by calling 563-387-1015.

Luther College is committed to providing veterans and current members of the U.S. Armed Services with support for their academic and personal success.

If you are eligible for VA tuition benefits, please bring your certificate of eligibility or a valid VAF 28-1905 to the Office for Financial Services. A special payment arrangement will be established for the amount of your tuition benefit. This will mean you will not receive late charges or account holds for the benefit amount as we wait for payment.

The remainder of your tuition will be due following the regular guidelines and may incur late charges if the amount is $1,000 or more, or you haven’t completed your financial aid documents by October (for the fall semester) or March (for the spring semester).

In accordance with the Veterans Benefits and Transition Act of 2018, Luther College will not impose any penalty including the assessment of late fees, denial of access to classes, libraries or other institutional facilities and/or the requirements that a Chapter 31 or Chapter 33 recipient borrow additional funds to cover the individual’s inability to meet his or her financial obligations to the institution due to the delayed disbursement of a payment by the U.S. Department of Veteran Affairs.

Luther College has partnered with FlyWire and PayMyTuition, third-party processors that convert currency from a variety of payment types (for example, bank accounts and credit cards).

Pay with FlyWire

Pay with PayMyTuition

You may use a bank wire, although we recommend using FlyWire or PayMyTuition.

How to send a bank wire to Luther College using BMO:

Bank Routing (ABA) Number: 121100782
Account Number: Call 1-800-458-8437 ext. 1015 for information
Account Name: Luther College
Reference Information: Student Name and ID number
Swift Code: HATRUS44 (for international wires only)

BMO mailing address:

120 West Water Street
P.O. Box 110
Decorah, Iowa 52101
Phone: +1-563-382-2991

Credit balances due to over-payments or payments made by wire transfer will remain on the student billing account for future charges, or returned to the sending institution. Luther College will not act as an intermediary for transference of funds through the credit balance refund process.

Log in to payment site and select “Payment Plans” to view your current payment plan, scheduled payment amounts and due dates.

The deadline for establishing a payment plan has passed. Options expire 5 days before the first payment is due — July 5 for the 5-month plan, and August 5 for the 4-month plan. If you do not see any options and would like to discuss payment options, please contact us at 563-387-1015.

Yes, we can assist you with these customized payment plan needs. Call us at 563-387-1015.

Your future scheduled payment plan amount will automatically be adjusted. The balance will be evenly distributed among the remaining payments on your payment plan.

Please note that the scheduled payment amount is frozen 5 days before your payment is due. Any balance changes made on your account within the 5 days preceding the due date will adjust your future scheduled payments.

If you overpay, you will be refunded within 21 days. Or, if you would like the excess funds to be held for your next semester’s bill, email your request to studentaccounts@luther.edu.

Yes, a guest can make a payment on your behalf through payment site. Follow the instructions for people who are no longer students.

Call our office at 563-387-1015 to have your plan cancelled or to discuss other payment options.

You must invite your parent or guardian to access your account on payment site.

To discontinue using your work-study earnings to pay your bills, complete the work-study payment online form, noting “cancel.” Note that only students have access to this form. 

If your balance is already paid in full and you want your bi-weekly work earnings to be applied to next semester, you must agree to hold excess funds. This option can be found on the online form.