The Paycove BlogThe October 2026 edition
$400,000,000+ collected on payment plans since 201715,000+ students on a plan instead of a high-interest loan1,000+ locations one business runs on Paycove1 Aug 2026 Louisiana bans surcharges on debit cards1 Jul 2026 Connecticut joins the total-price states19 Jun 2026 Nacha's fraud-monitoring rules reach every business collecting by ACHPending Visa and Mastercard settlement: what could change for surchargingNew Workforce Pell and short allied health programs: what it means for a private schoolNew HubSpot payment plans with more than four paymentsNew Can you connect multiple Stripe accounts to HubSpot?

Tuition, collected. For schools that offer payment plans.

For owners and finance leads at trade, career and vocational schools: running tuition plans, and the rules that touch them.

How Paycove works for schools →

By program: Dental assisting · CDL · Skilled trades · Allied health · Cosmetology and barbering

Schools finance rules

What changed for tuition collection

Each item links the statute or regulator. General information, not legal advice; your school's situation may differ.

Sources checked Sep 29, 2026
19 Jun 2026Nacha's fraud-monitoring rules reach every business collecting by ACH Source

Nacha's rules require every business that originates ACH debits to use risk-based processes to spot payments started by fraud.

In force
Since 15 Feb 2025California: for-profit schools register tuition payment plans with DFPI, even at 0% Source

Tuition plans count even with no interest or fees. Public and private nonprofit schools are exempt.

In force
34 CFR 668.2890/10 counts the cash you actually collect Source

Revenue counts on a cash basis, in the year it's received, so what your plans actually collect is what counts.

In force
20 Jul 2026Workforce Pell opens aid to short programs Source

Pell grants for programs of 8 to under 15 weeks and 150 to 599 clock hours, with state and federal approval and completion, employment and earnings standards. Schools could opt in from 1 July.

In force
ExplainerIs a 0% tuition plan a loan? Source

The federal four-installment rule, the exclusion for short interest-free school plans, and state registration.

Explainer

Running tuition plans

11 stories
Plan it · Schools

Workforce Pell and short allied health programs: what it means for a private school

Who can offer it, what a program has to prove, and why most private phlebotomy and pharmacy tech schools are still paid by their students.

PaycoveOct 1, 2026 · 3 min
Plan it · Schools

A payment tool for your CRM, or an all-in-one school platform?

What each one replaces, what it keeps, and the four questions that usually decide it.

PaycoveSep 27, 2026 · 3 min
Plan it · Schools

Exam, background check and supply fees: on the tuition plan or charged up front?

Separate lines, the right moment to charge each one, and what happens to an exam fee when a student withdraws first.

PaycoveSep 20, 2026 · 3 min
Plan it · Schools

A 0% plan from the school, or a loan from a lender?

What each costs the student, and what the school keeps.

PaycoveSep 15, 2026 · 3 min
Run every location · Schools

Adding a campus: tuition, accounts and books

What a new campus needs on the payments side, under the same entity or a new one.

PaycoveSep 12, 2026 · 2 min
Rules that changed · Schools

Is a 0% payment plan a loan?

Where federal and state lending rules can reach an in-house plan, even at no interest.

PaycoveSep 10, 2026 · 2 min
HubSpot and Pipedrive · Schools

Tuition payment plans in HubSpot for trade and CDL schools

From enrollment deal to the last payment, per student and per campus.

PaycoveSep 8, 2026 · 2 min
Rules that changed · Schools

California for-profit schools: DFPI registration for tuition plans, even at 0%

What registration asks for, who is exempt, and what to keep on file.

PaycoveSep 3, 2026 · 1 min
Collect it · Schools

Your collection rate and 90/10

How cash collected on plans shows up in the calculation, and what to track monthly.

PaycoveAug 25, 2026 · 1 min
Collect it · Schools

A student withdraws mid-program. What happens to the plan?

Split, recalculate or refund, and what the student sees each way.

PaycoveAug 20, 2026 · 2 min
Plan it · Schools

The enrollment-season payment checklist

Six weeks before a start date: plan terms, deposits, and what admissions sends each student.

PaycoveAug 13, 2026 · 2 min · template
The Collections Brief · schools edition

Schools finance rules, once a month.

What changed for tuition collection, and one how-to for running plans.

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