Registration Process Frequently Asked Questions

All students must sign up for My Payment Plan on the same day they register for classes. When you go to register for classes for the semester, follow these steps:

  1. Contact your advisor.
  2. Register for classes.
  3. Sign up for My Payment Plan on the same day you register.

What is My Payment Plan?

My Payment Plan is an easy, automatic payment plan provided to students through Nelnet Campus Commerce. My Payment Plan offers three convenient monthly payments for the fall and spring semesters and two monthly payments for the summer semester. For fall, the payments will be scheduled to attempt automatically September 5th, October 5th and November 5th. For spring, the payments will be scheduled to attempt automatically February 5th, March 5th and April 5th. For summer, the payments will be scheduled to attempt automatically July 5th and August 5th. My Payment Plan is accessed online via your myOTC. Be sure to immediately sign up for My Payment Plan on the same day that you register in order to complete your registration.

My Payment Plan is good for one semester only and it must be completed every semester.

More information about My Payment Plan can be found here.

What if I am receiving financial aid? Why do I still need to set up My Payment Plan?

All students must sign up for My Payment Plan on the same day they register in order to complete and secure their registration. While My Payment Plan is a monthly payment plan which initially requires you to agree to pay your full balance over the course of the plan, be aware that any anticipated aid* will be factored into your My Payment Plan agreement AFTER you complete and submit the agreement.

*Anticipated aid is based on a complete financial aid file.

What is anticipated aid and how does it work with My Payment Plan?

Anticipated aid could include any official funding you receive to help pay for college. Examples are federal student loans, pell grants, state grants, A+, private scholarships, institutional scholarships, foundational scholarships, 3rd party funding, military benefits, etc. Anticipated aid will only reflect and reduce your balance and monthly payments if your financial aid file is complete.

Anticipated aid will be factored into your student account balance viewable in your myOTC. For example, your registration charges will include all tuition and fees owed to the college minus your anticipated aid.

(Registration charges) – (Anticipated financial aid) = (Balance used to calculate monthly payments)

For example, if your registration charges total $1,000 and your anticipated financial aid is $250, your balance of $750 will be divided among remaining payments. Again, anticipated aid is based on a complete financial aid file.

I am in the middle of setting up My Payment Plan, why isn’t it factoring in my anticipated aid?

When completing the My Payment Plan agreement, you must agree to be responsible for the entire balance owed to the college. However, if your myOTC account reflects anticipated aid, that will be factored into your total balance after My Payment Plan is complete.

Will my anticipated aid show adjustments in real time (for example: Pell Grant award for 6 credit hours vs. 12 credit hours)?

Yes, your federal and state financial aid should update in real time. Veterans Affairs and active duty military benefits may not. For information on veterans or active duty financial aid contact the Veterans Services Office at

What if I have no anticipated aid before the first payment is due?

The college encourages you to file your FAFSA (Free Application for Federal Student Aid) as soon as possible to avoid any delays in your financial aid disbursement. The 2019-2020 FAFSA was available on October 1, 2018. The same goes for scholarships, A+, 3rd party funding, and military benefits. The sooner you have taken the necessary steps for these funding sources to be showing in your anticipated aid, the better in regards to how your My Payment Plan will work for you.

If your financial aid is delayed for any reason and anticipated aid is not reflected on your student account when the first payment is due, you will be responsible for that payment (one-third of your total balance). Once your financial aid is processed, that amount will be reflected as anticipated aid in your student account. If your financial aid was enough to cover your initial payment, you may be eligible for a refund.

Bottom line:  File your FAFSA early, turn in all requested documents, and be sure your financial aid file is complete as early as possible. Be prepared financially for any payments scheduled to attempt.

What if I want to pay my bill in full? Do I still need to sign up for My Payment Plan?

Yes, you must sign up for a My Payment Plan on the same day you register to complete your registration. You may immediately pay your entire bill in full via the Nelnet payment portal or you may pay in cash at the Springfield or Richwood Valley Campuses after your My Payment Plan is completed.

What if I do not have a bank account or credit/debit card?

All students must provide a bank account, debit card or credit card in order to complete My Payment Plan.

What if I miss a payment?

OTC will assess a $10.00 non-refundable missed payment fee if an automatic payment is unsuccessful. You may also incur charges from your financial institution as well as Nelnet. OTC will not re-attempt your payment, however your balance owed (minus any anticipated aid) will be divided among remaining payments.

What if I lose my classes for not setting up My Payment Plan?

If you register for classes but do not sign up for My Payment Plan the same day you register you will lose your seat in those classes. If you lose your classes for failure to sign up for My Payment Plan, you will have to login to your myOTC portal to re-register for classes AND sign up for My Payment Plan that same day.

What if the exact classes I picked are full and I cannot get back into them?

You can put yourself on the waitlist for the section of the class you prefer, or you can choose different sections of that same course.

What if I am on a waitlist for a class or more than one class?

If you are waitlisted for all of your classes, you have no balance so you do not have to sign up for My Payment Plan until you are placed in a class via the waitlist process. You will receive an email to notify you once you are enrolled into a class you were waitlisted for. You will then have until midnight the same day you are registered to enroll in My Payment Plan. Once you have a My Payment Plan established for the semester, you do not need to do it again. So, if you are already enrolled in My Payment Plan when you become registered for a waitlisted class, there is nothing further you need to do.

What if I’m taking 14-week or second 8-week courses?

The registration process is the same. You must sign up for My Payment Plan the same day you register in order to complete your registration. Earlier registration for these courses is key to getting the most monthly payments. For example, if you register for a 14-week course after the first monthly payment of the semester, you will only have two payments remaining on My Payment Plan. Another example, if you register for a second 8-week course after the first two monthly payments, you will have only one payment on your My Payment Plan.

Bottom line: Register for classes early in order to spread your payments across all three payment dates during the semester.

What if I am receiving third party funding from Trade Act, Missouri Career Center, Vocational Rehabilitation, etc.?

Like most financial aid, third party funding sources require you to complete the FAFSA, so complete that documentation as soon as possible. Next, work with your counselor at the agency or organization that provides your funding. They will need information from you in order to provide OTC with an official funding authorization. This authorization, once received and processed, will show in your account as anticipated aid. Your balance owed to the college is then reduced by any anticipated aid. Any balance remaining is then divided among remaining payments per your My Payment Plan agreement.