Collection Referral

By registering for any semester, you accept full financial responsibility for all charges on your student account. You agree to pay Minnesota State University, Mankato the total amount owed by the stated due date.

If your account becomes delinquent, you are responsible for any additional costs incurred by MSU to collect the debt, including collection agency fees, attorney fees, and court costs.

If a balance remains unpaid, the university will send a past‑due notice to your last known address at least 20 days before the debt is referred to the Minnesota Department of Revenue, Collection Division, or a private collection agency.

Payment Arrangements and Disputes Contact

Students with unpaid balances at the end of the semester are encouraged to contact the Cashier's Office to discuss payment options or to dispute the accuracy of the debt. Doing so may help resolve the matter before the account is referred to a collection agency. 

Past Due Payment Plan

Minnesota State University, Mankato has partnered with Nelnet to offer payment plans for past‑due student account balances. Students should contact the Cashier’s Office to enroll. If you are eligible, a payment plan link will be sent to you by email.

Missing any scheduled payment will terminate the payment plan, and the outstanding balance may be referred to a collection agency.

This option applies only to past‑due balances. For payment plans for the current term, please enroll through your student e‑Services account.

Referral for Collection

  Unpaid account balances remaining at the end of the semester are subject to referral for collection to Minnesota Department of Revenue, as outlined within Minnesota State Procedure 7.6.2 and required by Minnesota Statute MS 16D.04 subd. 2.

  If a student is referred to the Minnesota Department of Revenue, collection costs can be assessed up to 25% of the debt owed. This is allowable under Minnesota Statue, section 16D.11. Collection agencies are authorized by Minnesota law to take the following actions to collect your debt.  

• File liens against property
• Issue levies against assets, such as wages and bank accounts
• Offset eligible:
  • Minnesota and Wisconsin state tax refunds
  • Minnesota payments and federal non-tax payments
  • Lottery winnings
• Subpoena financial, personal and business records
• Revoke or deny renewal or transfer of business and professional licenses
• Access non-public government data
• Obtain legal judgments against debtors
• Report to a credit bureau
• Refer debt to private collection agencies

Private collection agency can add a collection fee to an account of the debt owed.

Collection Payments

If your account has been referred to the Minnesota Department of Revenue (MDOR) for collection, a hold will be placed on your student account. The hold will be removed once the university receives payment from MDOR and the balance is paid in full.

If you need the hold removed urgently, you may pay in full to MDOR in person using secure funds. Secure funds include:

• Cash
• Cashier’s check
• Money order

Payments made to MDOR by personal check, debit or credit card (online or phone), or payment confirmation numbers are not considered secure. In these cases, the hold will remain in place until the university receives the funds from MDOR.

This process also applies to accounts referred to a private collection agency. The student account hold will be removed once the university receives payment from the collection agency.

Enrollment Consequences

If a student account is referred to a collection agency, the student is not eligible to register for future semesters at MSU until the debt is paid in full, including all collection fees. Holds that restrict these privileges are managed through the Cashier's Office.

Requests for official transcripts will be honored, regardless of any holds placed on a student account due to unpaid balances.

Debt Write Off

When an account is determined to be uncollectible under internal policy and procedure, the account is written off. Writing off the debt does not eliminate the account holder’s legal obligation to pay, except when the debt has been discharged through bankruptcy or otherwise resolved in accordance with Minnesota Statute § 16D.15.

Once an account is written off, a hold is placed on the account. This hold will remain in place until the full past‑due balance is paid. To restore a previously written‑off account, please contact the Cashier's Office.

Cashier's Office
128 Wigley Administration Center
Mankato, MN 56001
Email: cashiers@mnsu.edu
Phone: 507-389-2259