Payment Options
Fall semester balances due August 10th; spring semester due January 10th
After due dates, late fees will apply.
Avoid payment scams! Electronic payments to Luther College are accepted only through vendor TransAct. To connect to TransAct, log onto Norse Hub. Do not make payments through any other websites unless directed by our office.
- Outside Scholarships
- Check with your employer
- Other third-party scholarship options found on website – Scholarships
- Disclose scholarships awarded and not yet disbursed using online form to Financial Aid – outside scholarship reporting. Allow 5 business days after submitting the form for scholarship funds to be posted as pending to your account.
- Federal Loans
- Federal loan(s) granted are automatically applied to balance. If you want to decline or change amount of loan funds, you must submit change loan form to Financial Aid. Allow 5 business days after submitting the form for loan funds to be removed from your account.
- If accepting Stafford loans, account balance shown on Norse Hub will be before loan proceeds are received on August 25th. On August 25th, balance will be after loan proceeds once entrance counseling and master promissory note has been signed.
- 529 Plan Disbursements
- *NEW* 529 payments can now be requested through our processor’s website for some 529 providers. Beneficiaries or account owners can make immediate payments through processor’s website. This provides an added convenience without needing to separately contact 529 provider to request disbursement. Instructions on using this 529 payment process and list of 529 providers available can be found here – 529 Savings Plan.
- Process can be used for one-time payments or enrolling in recurring payments via monthly payment plan. A one-time flat fee of $10 is charged by processor for one-time payments or first payment with the monthly plan enrollment.
- If your 529 provider is not available through processor’s website, request disbursement from your plan provider’s website at least 3 weeks before due date. Direct funds to be sent to Luther College. Provide student name & ID # on payment remittance
- Luther Work Study Deductions
- Complete work study payment form to apply all or portion of work study earnings as work is paid bi-weekly
- You can leave a remaining balance due of up to maximum of $900 (or estimated semester’s work earnings if less) for current semester OR you can use current semester’s earnings to be applied to next semester’s balance. If using monthly payment plan, future scheduled payment amounts will automatically be reduced as work payments are received.
- Monthly Payment Plans
- Payment options of 4 or 5-monthly payments due on 10th of each month. For 5-months, fall payments start on July 10th, spring payments on December 10th. For 4-months, fall payments start on August 10th, spring payments on January 10th. Note: 5-month payment plan enrollment due by July 5th. 4-month payment plan due by August 5th.
- Plans offered through TransAct
- Students: you must invite your parent/guardian to TransAct if you’d like him/her to receive emails scheduling and confirming monthly payments. In Norse Hub, click on Financial Information, Student Accounts, Monthly Payment Plan to be linked to TransAct. Then click on ‘Send a payer invitation’
- Requires autopay enrollment; no enrollment fee for introductory year of 2025-26 academic year
- Additional charges or credits that result in balance changes will automatically reduce future scheduled payment amount(s). Student (and parent if invited) will receive email 5 days before scheduled is processed showing the payment amount. Scheduled payment amount can be viewed at anytime in TransAct.
- One-Time or Multiple Payments
- Online payments: In Norse Hub, click on Financial Information, Student Accounts, Make A Payment to be linked to TransAct. Click on “Make A Payment” button at bottom of screen or select from menu. E-check (ACH), domestic debit or credit card, international bank wire, international credit or debit card. Additional processing fees apply except for e-check which is free.
- Checks can be mailed to Luther College, Attention: Student Accounts, 700 College Drive, Decorah, IA 52101
- Check or cash is accepted in our office – Main building, office 120 (1st floor)
- PLUS or Private Loans
- Contact Financial Aid team at finaid@luther.edu, phone 563-387-1018 or see Loans for provider’s links
- Consult with our office on specialized payment needs
- Contact our office at 563-387-1015
No longer a student or have access to Norse Hub? To make a payment as a guest, go directly to payment website. Please note that you will not see balance information using guest access. Be sure you know how much to pay and the student’s ID #.
- Click on Pay as a guest
- Enter student id # (must be 7 digit number – enter leading zero)
- Enter student’s last name
- Under Available items, choose link under Miscellaneous
- Enter amount to pay in box $0.00. Then click ‘Add to payment’ button
- Scroll to bottom of page and click ‘Checkout’
- Choose payment method – credit or debit card, or bank account. Bank account is free; credit or debit account will charge 2.95% processing fee
- Enter your card or bank account details in boxes. Then ‘Continue’ button
- Agree to terms
- Enter email address. Confirmation will be sent to this email after you hit the ‘Pay’ button
Frequently Asked Questions
Log into Norse Hub.
From left menu tool bar, select Financial Information, Student Account, Make a Payment
You will be directed to TransAct’s website.
- On ‘Overview’ page, scroll down to ‘Payment plans’ section.
- Click on ‘View payment plan options’. Payment plan offerings will be displayed in sequence.
- Choose the plan that is best for you and then click on ‘Enroll in plan’ button. You will be presented with payment schedule and Terms and Conditions. Scroll to bottom of screen and click on ‘I agree’ box. Enter the 7-digit student ID # as signature in accepting the Terms and Conditions. Then click on ‘Continue’ button.
- Choose your payment method – credit or debit card, bank account, international transfer. Complete payment information as requested. Review auto pay terms and conditions and then click on ‘I agree to the following terms & conditions’. Click on ‘Continue’ button.
- Verify information on next screen and then click on ‘Enroll’ to finalize. You will be emailed a copy of the payment schedule.
If you have questions on the process, you can click on the Help menu item on the left hand menu toolbar. Click on TransAct’s online support team link to be directed to reference material on using the website OR you can use the team chatbot option to correspond with TransAct team member live.
Log into Norse Hub.
From left menu tool bar, select Financial Information, Student Account, Monthly Payment Plan
You will be directed to TransAct’s website.
- Select ‘Payment Plans’ from menu.
- Your current payment plan and scheduled payment amounts and due dates will be displayed.
If you need to change or cancel your plan, please call our office at 563-387-1015
Payment plan options expire 5 days before the 1st payment is due. 5-monthly payment plan starts July 10th so July 5th is the last day to sign up for 5 months. 4-monthly payment plan starts August 10th so August 5th is the last day to sign up for 4 months.
If you do not see any options and would like to discuss payment options, please contact our office at 563-387-1015.
Yes, our office can assist you with these customized payment plan needs. Call our office at 563-387-1015.
Your future scheduled payment plan amount will automatically be adjusted. Updated remaining balance will be evenly distributed amongst the remaining number of payments left on your payment plan.
Please note that scheduled payment amount is frozen 5 days before payment is due. Any balance changes made on your account within the 5 days preceding the due date will adjusted in the future scheduled payments in subsequent month(s).
If you’d like some of your work study earnings to be applied to your tuition bill, you will need to complete the work study payment online form. The form provides option to use part OR all of bi-weekly earnings to apply to your tuition balance. When paid, the amount of bi-weekly payment you selected on the form will be deducted from your earnings and applied to your account balance. You will see your account balance reduced on the bi-weekly payment date. If you are also using a monthly payment plan, your future scheduled monthly payments will automatically be reduced.
If you’d like to change or discontinue your work study payments, complete the work study payment online form noting ‘cancel’.
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. If you chose to disagree (or decline this option), your work payments will be discontinued.
Yes, a guest can make a payment on your behalf by going directly to TransAct’s website
Choose ‘pay as a guest’ on sign on screen. Individual will need to know your 7-digit student ID # (enter leading zero) and your last name to log on. He/she will not see your account balance.
- Choose from the Available Items which item you are looking to pay for student.
- If making a payment towards tuition balance, select ‘Miscellenaous’.
- Enter the amount to pay. Click ‘Add to Payment’ button
- Choose ‘Checkout’ button at bottom of screen
- Select payment method and complete payment information. Select ‘I agree’ to consent to terms and conditions. Click on ‘Continue’ button
- Enter email address for payment confirmation to be sent to. Select ‘Pay’ button to complete payment
Call our office at 563-387-1015 to have your plan cancelled or to discuss other payment options.
For parent or guardian to see email messages on payment, student must invite him/her to the TransAct site.
Log into Norse Hub.
From left menu tool bar, select Financial Information, Student Account, Make a Payment
You will be directed to TransAct’s website.
- Scroll down the screen and click on ‘Send a payer invitation’
- Enter the parent or guardian’s name and email address
Parent or guardian will be sent an email from TransAct with a username and initial password to sign into TransAct. If parent or guardian uses his/her TransAct log into to enroll in a payment plan, he/she will receive future email communications on monthly payment.
Only students will have access to these google forms. Student must be logged into their Luther google account to obtain access.
International Wire Transfers for International Students and for U.S. Students Living Abroad
For making payments from international funds, you have 2 options:
1) use a third party processor to convert currency from a variety of payment types (bank account, credit cards, etc)
2) use your bank to request wire transfer.
1) For using third party processor: Luther College has partnered with two companies to offer you a variety of currencies, payment selections, and costs – FlyWire and PayMyTuition. The choice is yours. We suggest looking at both options and choosing the option that best fits your needs.
Pay with FlyWirePay with PaymyTuition
Flywire instructions PayMyTuition instructions
2) For using bank wire:
The wire instructions for BMO are:
Bank Routing (ABA) Number: 121100782
Account Number: Call 1-800-458-8437 ext 1015 for information
Account Name: Luther College
Reference Information: Students Name & ID #
Swift Code*: HATRUS44 (*For international wires only.)
The mailing address for BMO is:
120 W. Water Street
PO Box 110
Decorah, Iowa 52101
The telephone number is (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.
Additional Payment Information
International students – Please consider using Flywire or PayMyTuition vendors instead of wiring funds. See International Payments section above for more information.
The wire instructions for BMO are:
Bank Routing (ABA) Number: 121100782
Bank Account Number: Call 1-800-458-8437 ext 1015 for information or email studentaccounts@luther.edu
Bank Account Name: Luther College
Reference Information: Students Name & ID #
For international wires only –
Swift Code*: HATRUS44
Bank Account Number (Call 1-800-458-8437 ext 1015 for information or email studentaccounts@luther.edu)
Bank Account Name: Luther College
Beneficiary Address: 700 College Drive, Decorah IA 52101
Reference Information: Students Name & ID #
The mailing address for BMO is:
120 W. Water Street
PO Box 110
Decorah, Iowa 52101
The telephone number is (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.
NordiCash is an account that allows Luther students to use their Luther ID card as a debit card. By pre-depositing money in this account, students may make “cashless” purchases at several campus locations. There are no fees associated with using NordiCash. If a student loses their ID, they simply need to tell dining services and the ID will be deactivated to protect against unauthorized purchases.
Where can a student use NordiCash?
NordiCash can be used in the Book Shop, Box Office, Cafeteria, C-Store, Nordic Brew, Marty’s, Oneota Market, Peace Dining Room, Mail Center, Sunnyside, PaperCut, and Document Center.
How can a student start a NordiCash account?
- Online – Go to norsehub.luther.edu and choose “Make a Payment” then “Pay a Deposit”.
- In person – Bring the Luther ID card and the payment to the Office for Financial Services.
- By mail – Mail the check or money order to the Office for Financial Services, Luther College, 700 College Drive, Decorah, Iowa 52101-1045. Include the student’s name, ID number, and NordiCash in the memo portion of the check.
Where can I check my NordiCash balance?
https://norsecard.luther.edu
What are the terms and conditions?
- The student must immediately report a lost or stolen card to the Dining Services Office.
- The college is not responsible for the use of a lost or stolen card before it is reported to the Dining Services Office. They will then deactivate the card, protecting the remaining balance.
- The student must protect and maintain the condition of his/her card. A nonrefundable fee of $25.00 is charged to replace lost or stolen cards.
- No cash withdrawals are permitted.
- The card may only be used by the student.
- Statements are available on-line at https://norsecard.luther.edu.
- The student is responsible for observing the amount and account charged during each use.
- Balances will be maintained from year to year. Funds will be refunded at the end of the student’s time at Luther.
Students who are paying for January term (J-Term) or program travel (ex: music groups) are required to make an initial deposit and subsequent installments as specified by Program Director.
Options of paying a deposit and/or installments:
- Online Payments* using bank account, debit/card card, and international payments using our processor TransAct. Some fees do apply.
- Cash or check – checks can be mailed to Luther College, Attn: Student Accounts; cash or checks can be dropped off at Student Accounts on 1st floor of Main (Room 120).
- Loan Proceeds – see details at Fin Aid’s website. Complete and return the Student Receivable Refund / Transfer Request form to notify Student Accounts to allocate these proceeds to your trip account. Select I would like my credit transferred to pay for program trip expenses. Enter the $ amount of proceeds
- 529 Funds – funds can be mailed to Luther College, Attn: Student Accounts by your provider. Be sure to provide your name and student ID # to provider to put on check voucher. Complete and return the Student Receivable Refund / Transfer Request form to notify Student Accounts to allocate these proceeds to your trip account. Select I would like my credit transferred to pay for program trip expenses. Enter the $ amount of proceeds
- Scholarships – see details at Financial Aid’s website. Scholarship funds will be applied and posted to student’s account a few weeks before the trip.
*Online Payments:
- Log onto Norse Hub
- Under Student Finance menu, choose Make a Payment
- From TransAct site, scroll down to ‘Available items’ section. Click on ‘View all’
- Click on the applicable item – January Term Trip Deposit, Music Tour Deposit, or Campus Program Deposit. If you are unsure which to use, please ask you Program Director or call our office 563-387-1015
- Enter payment amount. Then click ‘Add to payment’
- Scroll down to ‘Checkout’ button
- Choose your payment method from list shown. credit or debit card processing fee is 2.95%. international payments will differ depending upon method chosen. You can save your account number for future payments. Complete payment details and click ‘continue’.
- Enter email address where you’d like the payment confirmation sent to. Click on ‘Pay’ button.
Students: If you want someone to make payment on your behalf, you must invite him/her to TransAct site. You can do this in TransAct site by scrolling down and choosing ‘Send a payer invitation’. You’ll only need to do this once. You will provide the name and email address of the payer. An email will then be sent to payer with their username and first-time password to TransAct’s website
Veterans and Military Payment Arrangements
Luther College is committed to providing Veterans and current members of the 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 don’t 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 Fall) or March (for Spring).
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.