Tuition

 

The Doctor of Behavioral Health (DBH) degree program at Cummings Graduate Institute for Behavioral Health Studies is the best value DBH program on the market at 56% less than the cost of comparable programs. Our goal at Cumming Graduate Institute is to make education as affordable possible for all of our students. With no out-of-state tuition, no hidden fees, and flexible payment options, our competitive tuition has nothing to hide.


Tuition and Fees

DBH Program Tuition
Books and Fees
Institutional Review Board (IRB) Fees
Tuition Comparison

Students are responsible for payment of their tuition associated with registered classes no later than the first day before the classes are scheduled to start for that semester/term.

All tuition and fees below are depicted in USD. Tuition Rates as of May 15, 2017 for New Applicants.

DBH Program Tuition

Credit Hours Standard Tuition Cost Military Tuition Discount Cost
1 $350 $315
2 $700 $630
3 $1,050 $945
60 $21,000 $18,900

Books and Fees

Type of Fee Standard Tuition Fees Military Discounts Fees
Nonrefundable Application Fee $50 $0
One-time Program Fee

(applied once Enrollment Agreement is signed and returned to Registrar)

$150 $150
Re-enrollment fee to Cummings Graduate Institute Program(s) $50 $50
Culminating Project Continuation Fee

Applied to the student’s account every seven (7) weeks until the Culminating Project section is complete. For more information, please refer to the Culminating Project Continuation Policy.

$350 $350
Other fees

  • Late payment (applied every month until payment is current)
  • Returned check
  • Declined credit card payment
$25 $25
Graduation Fee* $0 $0
Official Transcript Fee

(beyond the copy provided at graduation)

$20 $20
Additional Diploma Fee $20 $20
Estimated Book Costs for DBH Program** $1,500 – $2,000* $1,500 – $2,000*

* As a courtesy to our students upon successful completion of their program, Cummings Graduate Institute does not charge a graduation fee. It is the student’s responsibility to obtain the necessary attire for the commencement ceremony, but the Institute will provide the first copy of the Official Transcript and Diploma at no additional costs.

** This is an estimate based upon our research through online textbook vendors. Cummings Graduate Institute uses Open Educational Resources (available online at no cost to the student) whenever possible to reduce student cost of attendance. The student will be provided with a list of required textbooks during the initial enrollment process and is responsible for purchasing textbooks and supplies separately.

Institutional Review Board (IRB) Fees

CGI partners with the University of New Mexico’s Office of Institutional Review Board to review human subjects research proposals. Not all Culminating Projects require IRB approval.

The University of New Mexico (UNM) has a nationally accredited human research protections program (HRPP) that follows rigorous standards for ethics, quality, and protections for human research for review here. The UNM Institutional Review Board (IRB) serves as the IRB for CGI.

Students are responsible for paying for their new project, continuations and amendments[SC1] [CE2] [CE3] .

UNM OIRB Fee Schedule

New Project $1,500
Continuations $500
Amendments $500
Other Submission
Change to Project Team No Charge
Reportable Events No Charge
Protocol Violations No Charge
Responses to IRB Letter No Charge
Closures No Charge

To learn more about Culminating Project Resources, click here.

Tuition Comparison

How to finance a doctoral degree is question on most students’ minds. CGI works hard to make tuition affordable and accessible to all students. At $350 per credit hour, our DBH program is one of the most economical online behavioral health doctorate programs available. See below for an outline of tuition costs at CGI in comparison to other online DBH programs.




With our competitive tuition rates and flexible payment options, it is our goal to make education affordability possible for all of our students.

Payment Options

Payment Options in Detail
Financial Assistance Options
Financial Assistance Disclosure
Importance of Meeting Financial Obligations
Forbearance and Deferment Options
Default of Financial Obligation
Holder in Due Course Statement

Cummings Graduate Institute works hard to make tuition affordable and accessible for our students. Cummings Graduate Institute has developed several payment programs to accommodate all budget types. The Cummings Graduate Institute Tuition Payment Programs are zero-interest monthly payments. Student can join a program and pay monthly without accruing interest through Cummings Graduate Institute. Programs are administered by the Cummings Graduate Institute. Please contact us at 480-285-1761 x2 or at finance@cummingsinstitute.com for more information on payment plans.

Students utilizing Cummings Graduate Institute payment programs are responsible for timely payment of tuition and fees. Students must recognize this may mean they are responsible for their financial obligations to the Institute before receiving reimbursement from the student’s tuition assistance source.

Payment Options in Detail

Program Details
Option #1:

Pay In Full

· Payment of full term tuition is by or on the first day of classes
Option #2:

Payment Plan

Fall/Spring – Twelve (12) week terms

· Three (3) payments
· First payment is due on or prior to the start of the first day
· The second payment is due thirty (30) calendar days from the start of the term
· The third payment is due sixty (60) calendar days from the start of the term
· Payments amounts are evenly dispersed through the three (3) payments after a signed Payment Plan Agreement is received by the Finance Department from the student.

Summer – Seven (7) week terms

· Two (2) payments
· First payment is due prior or on the first day of the term.
· Second payment is due thirty (30) calendar days from the start of the term.
· Payments amounts are evenly dispersed through the two (2) payments

 

 

Financial Assistance Options

Cummings Graduate Institute accepts private scholarships, grants, and loans. Scholarships and grants are gift awards that do not need to be repaid. A loan is money borrowed and must be paid back with interest.
Cummings Graduate Institute understands the critical importance of the availability of financial assistance for completing the DBH degree. As such, financial assistance may be available for those who qualify through private lenders until such time as Title IV funds become available to Cummings Graduate Institute students.

Financial Assistance Disclosure

At this time, Cummings Graduate Institute is not recognized by a nationally or regionally accrediting body supported by the United States Department of Education, and does not have a IFAP School Code.

Private Educational Loan Information
Cummings Graduate Institute is able to accept payment from a Private Education Loan. It is the student’s responsibility to ensure payment from the Private Educational Lender is applied towards their tuition in full or by each term. All Cummings Graduate Students who chose to participate in outside Private Educational Loans are responsible to pay back all monies to the student’s Private Education Loan lender for the agreement amount.

Employer Reimbursement/Third Party Payments
Any employer reimbursement or tuition assistance can be used to cover tuition and fees. It is the student’s responsibility to make arrangements for initial payment to Cummings Graduate Institute and with the employer for reimbursements regarding continuing education.

Private Scholarships and Grants
Cummings Graduate Institute will accept private scholarship and grant dollars to cover part or all of a student’s tuition. If a student has been awarded a private scholarship or grant, the student must make arrangements with the Finance Department to use the funds to pay for tuition costs by the tuition deadline each term. Students who receive private scholarships disbursed to their personal accounts are responsible for using these funds appropriately to pay for the intended educational expenses, including tuition, books, supplies, and conference attendance costs.

Veteran Administration Educational Benefits
Cummings Graduate Institute is not eligible to offer VA educational benefits at this time.

Importance of Meeting Financial Obligations

Cummings Graduate Institute considers all financial obligations payable immediately, unless otherwise stated. A student may not be issued grades, diplomas, official transcripts, letters of recommendations, or have the ability to register for courses until all finances are paid for each term. Upon completion of the DBH degree program, any outstanding financial balance is due and payable immediately. Cummings Graduate Institute withholds diplomas and transcripts and prohibits participation in the graduation ceremony and/or the conferring of a degree until all unpaid financial accounts have been satisfied.

Forbearance and Deferment Options

Cummings Graduate Institute is proud of its ability to provide a doctoral degree program in an online environment at a highly competitive price. While Cummings Graduate Institute does not offer any of these options, if there are any questions, students and prospective students should contact the Finance Department or their lenders to discuss forbearance or other deferment options.

There are several deferment options including active military, public service, economic hardship, and others. Please contact Cummings Graduate Institute’s Finance Department with any questions at finance@cummingsinstitute.com or call 480-285-1761 ext 2.

Default of Financial Obligation

If the student’s financial obligations are in default (defined as not paying a financial obligation within 30 days of the due date), Cummings Graduate Institute may declare the entire balance due without further notice and require full payment immediately. Failure to pay the unpaid balance within ten (10) days may result in any or all of the following:

  • Access to LMS will be removed until balance has been paid
  • Denial of registration, transcripts, diplomas, grades, and graduation
  • Assignment of the account for collection
  • Reporting the delinquent account status to a credit bureau
  • Financial dismissal from Cummings Graduate Institute

In the event an account is delinquent, Cummings Graduate Institute as well as outside agencies working on its behalf have the right to communicate with the student via email and/or cell phone regarding an outstanding balance. When an account is turned over for collection, the student is obligated to pay Cummings Graduate Institute’s collection expenses. If a lawsuit or other action is filed, litigation falls ufalnder Arizona state jurisdiction and the student agrees to pay Cummings Graduate Institute’s attorney’s fees as fixed by the trial court. If any party appeals any part of the trial court’s decision, the student agrees to pay Cummings Graduate Institute’s attorney’s fees for the appeal as fixed by the appellate court.

Any disputes, mediation, or legal proceedings will be held in Maricopa County, in the State of Arizona.

Holder in Due Course Statement

Any holder of this consumer credit contract is subject to all claims and defenses which the debtor could assert against the seller of goods or services obtained pursuant hereto or with the proceeds, hereof Recovery hereunder by the debtor shall not exceed amounts paid by the debtor (FTC Rule effective 5-14-76).

Refund Policies

Refund Policy
Five-Day Application Cancellation Period
Denied Admission Refund Policy
Five-Day Enrollment Cancellation Period
All Other Courses Refund Policy
Program or Course Cancellation Policy and Regulations

Refund Policy

Cummings Graduate Institute strives to provide a fair and equitable refund policy in compliance with the state. All money due to a student for a cancellation request will be due thirty (30) days after request is submitted, regardless of materials being turned into Cummings Graduate Institute.

Five-Day Application Cancellation Period

An applicant who provides notice of an application cancellation within five (5) calendar days of submitting an Application Fee is entitled to a refund of all monies paid. Notice of cancellation must be conveyed to Cummings Graduate Institute Registrar in any manner available to the student (Mail: Cummings Graduate Institute, Attn: Registrar, 16515 S. 40th St., Suite 143, Phoenix, AZ 85048; Email: registrar@cummingsinstitute.com; Phone: 480-285-1761 ext.3; or fax: 480-999-5641).

The effective date of application cancellation will be determined by the date in which the student first reached out (i.e. via phone, fax, email, or by postmark on indicated on request letter through the mail). Any monies paid to CGI, will be refunded. The refund will be distributed to the applicant within thirty (30) days of notification.

Denied Admission Refund Policy

An applicant who has submitted all required admissions materials but was denied by Cummings Graduate Institute for Behavioral Health Studies will not be refunded the Application Fee.

Five-Day Enrollment Cancellation Period

A student who provides notice of cancellation within five (5) calendar days of signing an Enrollment Agreement is entitled to a refund of all monies paid. Notice of cancellation must be conveyed to Cummings Graduate Institute Registrar in any manner available to the student (Mail: Cummings Graduate Institute, Attn: Registrar, 16515 S. 40th St., Suite 143, Phoenix, AZ 85048; Email: registrar@cummingsinstitute.com; Phone: 480-285-1761 ext.3; or fax: 480-999-5641).

The effective date of cancellation will be determined by the date in which the student first reached out (i.e. via phone, fax, email, or by postmark on indicated on request letter through the mail). Any monies paid to CGI, outside of the Nonrefundable Application Fee, will be refunded. The refund will be distributed to the student within thirty (30) days of notification.

All Other Courses Refund Policy

A student who chooses to withdraw from a course more than five (5) days after signing an enrollment agreement will follow this refund schedule:

  1. Before beginning one or more courses, meaning prior to the start of the first day of the course, the student is entitled to a refund of 100% of the tuition minus the Program Fee ($150) and Nonrefundable Application Fee ($50)
  2. After the commencement of one or more courses, the tuition refund, minus the Program Fee ($150) and Nonrefundable Application Fee ($50), amount shall be determined as follows:
     
    a. 7 weeks course refund schedule

    Length of Term Percentage of Tuition Returned to the Student Minus the Nonrefundable Application Fee and/or Program Fee AFTER
    7 weeks 1st week 80%
    2nd week 60%
    3rd week 40%
    4th week 20%
    5th week 0%

     

    b. 12 weeks course refund schedule

    Length of Term Percentage of Tuition Returned to the Student Minus the Nonrefundable Application Fee and/or Program Fee AFTER
    12 weeks 1st week 80%
    2nd week 70%
    3rd week 60%
    4th week 50%
    5th week 40%
    6th week 30%
    7th week 20%
    8th week 10%
    9th week 0%

     

    Refund Examples

    Regular Tuition
    If a student withdraws from a 12-week course during the second week, the student will be refunded 70% of their tuition paid excluding the application fee and program fee. The refund amount would be: $1,050 (tuition cost for one (1) three (3) credit hour course) x 70% (refund amount) = $735 (amount refunded to the student).

    This refund is mailed to the student within thirty (30) days from the date of withdraw.

    Military Tuition
    If a student withdraws from a 12-week course during the second week, the student will be refunded 70% of their tuition paid excluding the application fee and program fee. The refund amount would be: $945 (tuition cost for one (1) three (3) credit hour course) x 70% (refund amount) = $661.50 (amount refunded to the student).

    This refund is mailed to the student within thirty (30) days from the date of withdraw.

    RA/TA Tuition
    If a student withdraws from a 12-week course during the second week, the student will be refunded 70% of their tuition paid excluding the application fee and program fee. The refund amount would be: $525 (tuition cost for one (1) three (3) credit hour course) x 70% (refund amount) = $367.50 (amount refunded to the student).

    This refund is mailed to the student within thirty (30) days from the date of withdraw.

    Program or Course Cancellation Policy and Regulations

    Any changes made to student class schedules may impact financial obligations to the Cummings Graduate Institute and eligibility for financial assistance. It is the student’s responsibility to initiate the drop or withdrawal process. Students are strongly encouraged to review all Institute policies regarding dropping or withdrawing from courses.

    Please refer to the Cancellation and Refund Policy for details on refunds for monies paid towards tuition for one or more courses.


Testimonials

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The “four questions” of the refocused psychotherapist [in the Biodyne Model] and the concept of the “onion/garlic” psychodynamic enabled me to not only conceptualize a case and plan treatment more rapidly, but to rise to a new level of professional confidence in meeting the behavioral care needs of my patients.

Dr. Gayle Cordes, DBH July 12, 2016

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