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 Cummings 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.

Learn more about the DBH program at an upcoming information session.


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 the term.

All tuition and fees below represents USD. Tuition Rates as of June 7th, 2018.

Doctor of Behavioral Health 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**

 

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**
Institutional Review Board Fee
(if applicable)
$1,500 – $2,500*** $1,500 – $2,500***

* 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) supported through a partnership with the University of New Mexico. Students are responsible for paying for their new project, continuations, amendments, human subjects research determinations, and Just in Time and 118 Determinations. Invoices are sent from the University of New Mexico to Cummings Graduate Institute upon the IRB’s review of the student’s project. Cummings Graduate Institute will pay the invoice to University of New Mexico. Then Cummings Graduate Institute will invoice the student via Populi. Refunds are not available to any IRB Fee Schedule because the University of New Mexico does not offer a refund to any student/institution, since the invoice is delivered post review. Students will have thirty (30) days to pay the invoice via Populi before being assessed a late fee. If a student fails to pay on time, they will be subject to Cummings Graduate Institute’s Collection Timeline.

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.

 

Data in animation and table sourced from university websites as of May 1, 2018.

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 developed several payment programs to accommodate all budget types. Programs are administered by the Cummings Graduate Institute. Please contact the Finance Department 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

Term Details
Spring 1, Spring 2, and Fall Terms (12 weeks) Payment Plan (3 payments)

  • Three (3) payments (tuition for the term is totaled and spread across three equal payments)
  • First payment is due prior to the start of the first day.
  • Second payment is due thirty (30) calendar days from the original payment date.
  • Third payment is due sixty (60) calendar days from the original payment date.
Summer Term
(7 weeks)
Payment Plan (2 payments)

  • Two (2) payments (tuition for the term is totaled and spread across two equal payments)
  • First payment is due prior to start of the first day.
  • Second payment is due thirty (30) calendar days from the original payment date..
Payment in Full Students are required to pay tuition following the payment plans detailed above; however, if they prefer to pay their tuition in full, payment is due prior to the start of the first day.

For example, if a student enrolls in one 3-credit hour course for the Spring 1 Term, $350 is due prior to the start of the first day, the second $350 payment is due thirty (30) calendar days from the original payment date, and the third $350 payment is due sixty (60) calendar days from the original payment date.

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 you borrow and must pay 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.

Financial Assistance Disclosure

Cummings Graduate Institute is accredited by the Distance Education Accrediting Commission (DEAC). Cummings Graduate Institute is not qualified for Title IV funds and does not have a IFAP School Code.

Private Educational Loan Information
Cummings Graduate Institute accepts payment from a Private Education Loan. It is the student’s responsibility to ensure payment from the Private Educational Lender is applied towards the tuition in full or by each term. All Cummings Graduate Students who choose 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 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 GrantsCummings Graduate Institute accepts 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 recommendation, 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.

Financial Obligations for Withdrawn Students

A program withdrawal constitutes a drop from all courses and departure from the program. Withdrawing from the program does not eliminate the student’s financial obligations to Cummings Graduate Institute. Students are responsible for any charges owed to Cummings Graduate Institute at the time of withdrawal as determined by the Refund Policy. Any outstanding financial balance at time of withdraw is due and payable immediately. All refunds will be refunded according to the Refund Policy.

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. 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. While Cummings Graduate Institute does not offer any of these options, if there are any questions, please contact Cummings Graduate Institute’s Finance Department with any questions at finance@cummingsinstitute.com or call 480-285-1761 x2.

Default of Financial Obligation

If a student’s financial obligations are in default (defined as not paying a financial obligation by the due date), Cummings Graduate Institute Finance Department will follow the following Collections Timeline:

  1. Tuition is due on or by the first day of the start of the term. Full tuition payment is due on or by the first day unless a payment plan has been established. 
    1. Spring I, Spring II, and Fall terms have a 3-payment plan
    2. Summer term has a 2-payment plan option. 
    3. The first payment is due on or by the first day of the term. The second payment is due on or by the thirty (30) calendar days from the term start date (the specific due date is predetermined by the Student Information System, Populi). If applicable, the third payment is due on or by thirty (30) calendar days following the second payment plan due date (the specific due date is predetermined by the Student Information System, Populi).
  2. Students are given email reminders starting seven (7) calendar days  prior to any payment due date. A reminder will occur via email every business day, as long as the balance is outstanding including on the payment due date. 
  3. If the student has not made payment on or by the due date, the student is assessed a late fee of $25 on the following business day. In addition, the Finance Department will put a financial lock on the student’s Populi account. At this time, the Finance Department will reach out to the student via email notifying them of the late fee and financial lock. 
  4. Students who have not paid their outstanding tuition within ten (10) calendar days, the Finance Department will notify the Registrar who will put a Registration Lock on the student’s account in Populi, which prevents them from being able to register for courses. 
  5. If the student finance account has not been collected to a current status after thirty (30) calendar days, the Finance Department will notify the Academics Department, where the Academic Department will remove the student from the Learning Management System (LMS). In addition, an additional late fee will be assessed to their student account. This will continue to happen until the student makes their account current on payments and is no longer outstanding.
  6. Upon a student making payment to their student account to bring it current, the Finance Department will notify the Academic Team and Registrar to re-enroll the student in the LMS and remove the Registration Lock on their account. Finally the Finance Department will remove the Financial Lock on the students account. 
  7. After, ninety (90) calendar days of unpaid tuition and fees, the student’s account will be deemed uncollectible and the student will not be able to continue in the program. The student will be given notice via email and certified mail of this enrollment change due to lack of payment. The balance will remain on the student’s account and then the Institution will document the tuition as uncollectible and write of the balance within its company books. 

Note:

  • If a student needs assistance or has questions, please reach out to the Director of Operations. The Director of Operations will work with students to make accommodations when difficult times arise in the student’s life. 
  • In the event a student 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 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 under 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 the amount 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 state. All money due to a student for a cancellation request will be due thirty (30) calendar 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) business 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: Admissions, 16515 S. 40th St., Suite 143, Phoenix, AZ 85048; Email: admissions@cummingsinstitute.com; Phone: 480-285-1761 ext.1; 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) calendar 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) business days of signing an Enrollment Agreement is entitled to a refund of all monies paid. Notice of cancellation may be conveyed to any Cummings Graduate Institute staff member in any manner available to the student (Mail: Cummings Graduate Institute 16515 S. 40th St., Suite 143, Phoenix, AZ 85048; Email: info@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, including the Application Fee, will be refunded. The refund will be distributed to the student within thirty (30) calendar days of notification.

All Other Courses Refund Policy

A student who chooses to withdraw from a course more than five (5) business 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:

 

    1. 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%

7-week Refund Example: If a student withdraws from a 7-week course during the second week, the student will be refunded 60% of their tuition paid excluding the application fee and program fee. The refund amount would be: $350 (tuition cost for one (1) credit hour course) x 60% (refund percentage) = $210 (amount refunded to the student). This refund is mailed to the student within thirty (30) calendar days from the date of withdraw.

7-week Discount Refund Example: If a student withdraws from a 7-week course during the second week, the student will be refunded 60% of their tuition paid excluding the application fee and program fee. The refund amount would be: $315 (tuition cost for one (1) credit hour course) x 60% (refund percentage) = $189 (amount refunded to the student). This refund is mailed to the student within thirty (30) calendar days from the date of withdraw.

7-Week TA/RA Discount Refund Example: If a student withdraws from a 7-week course during the second week, the student will be refunded 60% of their tuition paid excluding the application fee and program fee. The refund would be $157.50 (tuition cost for one (1) credit hour course) x 60% (refund percentage) = $94.50 (amount refunded to the student). This refund is mailed to the student within thirty (30) calendar days from the date of withdraw.

 

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%

 

12-week Refund Example: 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. For a student qualified for standard tuition, the refund amount would be: $1,050 (tuition cost for one (1) three (3) credit hour course) x 70% (refund percentage) = $735 (amount refunded to the student). This refund is mailed to the student within thirty (30) days from the date of withdraw.

12-week Discount Refund Example: 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. For a student qualified for military tuition, the refund amount would be: $945 (tuition cost for one (1) three (3) credit hour course) x 70% (refund percentage) = $661.50 (amount refunded to the student). This refund is mailed to the student within thirty (30) days from the date of withdraw.

12-week TA/RA Discount Refund Example: 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 would be $472.50 (tuition cost for one (1) three (3) credit hour course) x 70% (refund percentage) = $330.75 (amount refunded to the student). This refund is mailed to the student within thirty (30) calendar days from the date of withdraw.

Program or Course Cancellation Policy and Regulations

Any changes made to student class schedules may impact the student’s financial obligations to Cummings Graduate Institute and student’s 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 of monies paid towards tuition for one or more courses.


Testimonials

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At the age of 53, and after working 25 years in the field of social work returning to school was not on my bucket list, but after learning about the Cummings Graduate Institute’s online program, my hope of achieving my lifetime a doctorate degree was possible. CGI online Doctor of Behavioral Health program is innovative and relevant. It's the perfect fit for the busy professional, parent or person looking to return to school or career advancement without the fuss of unnecessary coursework. CGI understands and recognizes that there are capable professionals and that most professionals are looking to gain a competitive edge or simply looking to satisfy a personal goal.

Steven Byrd DBH, Alumni March 4, 2017

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