6 Pros and Cons of Globalization in Business to Consider
Through globalization, developing nations often gain access to jobs in the form of work that's been outsourced by wealthier nations. While there ...
Payment & Financial Aid page
We accept payments via credit card, wire transfer, Western Union, and (when available) bank loan. Some candidates may qualify for scholarships or financial aid, which will be credited against the Program Fee once eligibility is determined. Please refer to the <anchor>Payment & Financial Aid page</anchor> for further information.
Payment and Financial Aid - HBS Online - Harvard Business School
Payment and Financial Aid - HBS Online - Harvard Business School


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# Payment and Financial Aid

Harvard Business School Online offers a variety of payment options for our programs. Availability of financial aid varies by program.

- [Payment Methods](#payment)
- [Loans](#loans)
- [Grants](#grants)
- [Federal Financial Aid](#financial-aid)

## Payment Methods

We accept payments via credit card, wire transfer, Western Union, and (when available)
bank loan. We also allow you to split your payment across two separate credit card
transactions or send a payment link email to another person on your behalf. Please
note that we do not provide refunds for the purpose of changing your payment method.
If splitting your payment into two transactions, a minimum payment of $350 is required
for the first transaction.


**In all cases, net Program Fees\* must be paid in full (in U.S. Dollars) prior to your**
**course’s enrollment deadline.**

At this time, Harvard Business School Online cannot accept:

- Checks
- Veterans Affairs Benefits (please see our [Grants](#grants) section for details on military grants)

- Awards or payments from organizations that would arrive after the course's enrollment
deadline. If an award or payment is only provided upon course completion, you may
not use it to pay for an HBS Online course, unless the award directly reimburses you.

- Federal financial aid, except for eligible participants enrolled in the undergraduate
credit option of CORe. Please see our [Federal Financial Aid](#financial-aid) section for details.


We're happy to provide our tax ID and bank account information to facilitate payments
from organizations sponsoring your enrollment. However, we cannot provide specialized
information or complete paperwork as part of a vendor setup process for individual
payments.


_\*Please note: Program Fees do not include international taxes._

## Loans

Below is a list of lenders who have indicated they are willing to provide loans to
HBS Online program participants. The contact information is provided as a service
and not as an endorsement of the lender or an indication of any affiliation with these
providers. You may choose one of these, or any other lender of your choice. Each lender
will have its own eligibility criteria, lending requirements, and minimum loan amounts.


LenderWebsiteSallie Mae[www.salliemae.com/00215592](http://www.salliemae.com/00215592)Citizens Bank[www.citizensbank.com/collegestudent](http://www.citizensbank.com/collegestudent)

If you wish to pay for your program with a loan, **the loan must be approved, certified, and disbursed prior to starting the program.**
**Please note that it takes 10 business days for a loan to disburse once it's been certified**, so apply early if you intend to use this option to enroll in your course.


Additional Notes:

- Sallie Mae requires that HBS Online participants apply for undergraduate loans. Graduate
school loans will not disburse.

- Many lenders use the ELM system for loan certification. Only loans sent via this system
to Harvard Business School Online **(school code 002155-92)** will reach us. We won't be able to see, or certify, loans sent to other school codes,
including those sent to the HBS MBA program.

- Participants must apply for separate loans for each course they want to finance. **CLIMB participants must apply for separate loans for each term.**
- We cannot certify loans until the applicant is accepted into the program.

## Grants

In support of HBS Online’s mission to extend the reach of Harvard Business School
teaching and research, HBS Online offers grants to eligible participants in most of
our certificate and credential programs. Grants are not available for the [Credential of Leadership, Impact, and Management in Business (CLIMB)](/courses/climb), the [Certificate in School Management and Leadership (CSML)](https://csml.gse.harvard.edu/), [Harvard Online courses](https://www.harvardonline.harvard.edu/), or the undergraduate credit option of the [Credential of Readiness (CORe)](/courses/core). (For details on using existing federal financial aid for CORe for credit, please
[see below](#financial-aid).)


HBS Online offers two forms of grants: an Income-Based Grant and a Military Grant.
Eligibility criteria and grant amounts are detailed below.


When enrolling in a course, if you're eligible to apply for a grant, you'll see the
grant option(s) listed on your [account page](https://account.myhbx.org/) on the Financial Aid tab.


Grants are limited in number and awarded during designated grant application windows
four times per year.
We are not currently accepting grant applications. The next grant application window
will be **October 07, 2024 12:00 PM ET - November 04, 2024 11:59 PM ET.** We encourage you to apply at that time.


#### Income-Based Grants

The Income-Based Grant is available only to first-time participants of HBS Online
who have not yet enrolled in a course. The grant application asks prospective participants
to provide their annual household income, household size, number of dependents, and
answer two essay questions. Eligible participants may only use an Income-Based Grant
once for a single enrollment. After enrolling in a course, participants will not be
eligible to apply for the Income-Based Grant again.


Eligible CoursesEligible Course OfferingsProgram FeeGrant AmountNet Out of Pocket CostCORe Program (Non-credit)May 2024 and future courses dates$2,650$2,120 $530All other certificate programs (excluding CLIMB and CSML)May 2024 and future courses dates$1,850$1,480$370

#### Military Grant

The Military Grant is available to any participant who's an active service member
or veteran of the U.S. military. The Military Grant can only be used once for a single
enrollment. The application will ask participants to provide a scanned document that
verifies their current or prior military status. Examples of supporting documentation
are Military Leave and Earning Statements, Discharge Certificate, DD214 forms, or
Veteran’s licenses.


Eligible CoursesEligible Course OfferingsProgram FeeGrant AmountNet Out of Pocket CostCORe Program (Non-credit)May 2024 and future courses dates$2,650

$1,590$1,060

All other certificate programs (excluding CLIMB and CSML)May 2024 and future courses dates$1,850

$1,110$740



## Federal Financial Aid

While HBS Online does not offer grants for the [undergraduate credit](/courses/core/undergraduate-credit/) option of CORe, participants who are U.S. citizens and undergraduate degree candidates
at accredited degree-granting U.S. institutions are eligible to use their existing
federal financial aid for CORe. To do so:


- Confirm with your home institution that it will accept eight undergraduate degree
credits for CORe and offer you aid.

- Once admitted to CORe, pay the credit cost of CORe ($4,200).
- Send your institution’s signed consortium agreement to the Harvard Extension School
Student Financial Services (SFS) email: [studentfinance@extension.harvard.edu](mailto: studentfinance@extension.harvard.edu). SFS will confirm your admission and credit registration in CORe and return the form
to your home institution. Once received, your institution will release the funds directly
to you.


Harvard Extension School undergraduate degree candidates may use their existing financial
aid award toward the cost of CORe. The eight credits will count toward your enrollment
status and should be reflected in the number of credits reported in your aid application
supplement.


[All FAQs](/more-info/faqs)

### Top FAQs

**How are HBS Online courses delivered?**
+–

**We offer self-paced programs (with weekly deadlines) on the [HBS Online course platform](/more-info/learning-model/)**.

Our platform features short, highly produced videos of HBS faculty and guest business experts, interactive graphs and exercises, cold calls to keep you engaged, and opportunities to contribute to a vibrant online community.

**Are HBS Online programs available in languages other than English?**
+–

We expect to offer our courses in additional languages in the future but, at this time, HBS Online can only be provided in English.

All course content is delivered in written English. Closed captioning in English is available for all videos. There are no live interactions during the course that requires the learner to speak English. Coursework must be completed in English.

**Do I need to come to campus to participate in HBS Online programs?**
+–

No, all of our programs are 100 percent online, and available to participants regardless of their location.

**How do I enroll in a course?**
+–

**Certificate Programs**

HBS Online welcomes committed learners wherever they are—in the world and their careers—irrespective of their professional experience or academic background. To extend the reach of HBS Online, we no longer require an application for our certificate programs. (Applications are still required for our credential programs: CORe and CLIMB.) You can now immediately enroll and start taking the next step in your career.

All programs require the completion of a brief [online enrollment form](https://account.myhbx.org/s/login/?startURL=https://account.myhbx.org/) before payment. If you are new to HBS Online, you will be required to set up an account before enrolling in the program of your choice.

Our easy online enrollment form is free, and no special documentation is required. All participants must be at least 18 years of age, proficient in English, and committed to learning and engaging with fellow participants throughout the program.

Updates to your enrollment status will be shown on your [account page](https://account.myhbx.org/s/login/). HBS Online does not use race, gender, ethnicity, or any protected class as criteria for enrollment for any HBS Online program.

**Credential Programs**

HBS Online's [CORe](https://online.hbs.edu/courses/core/) and [CLIMB](https://online.hbs.edu/courses/climb/) programs require the completion of a brief application. The applications vary slightly, but all ask for some personal background information. [You can apply for and enroll in programs here](https://account.myhbx.org/s/login/?startURL=https%3A//account.myhbx.org/&__cr_user=87cf15b370a238eb430369f37eceea3b&__cr_session=111d6ce4c5077402f2e7a1a8676c57e2&fsuid=%23Z1A3E%236426682453118976%3A4767530102329344%3A%3A%3A%23%2F1712317979). If you are new to HBS Online, you will be required to set up an account before starting an application for the program of your choice.

Our easy online application is free, and no special documentation is required. All participants must be at least 18 years of age, proficient in English, and committed to learning and engaging with fellow participants throughout the program.

Updates to your application and enrollment status will be shown on your [account page](https://account.myhbx.org/s/login/?__cr_user=87cf15b370a238eb430369f37eceea3b&__cr_session=111d6ce4c5077402f2e7a1a8676c57e2&fsuid=%23Z1A3E%236426682453118976%3A4767530102329344%3A%3A%3A%23%2F1712317979). We confirm enrollment eligibility within one week of your application for CORe and three weeks for CLIMB. HBS Online does not use race, gender, ethnicity, or any protected class as criteria for admissions for any HBS Online program.

**Does Harvard Business School Online offer an online MBA?**
+–

No, Harvard Business School Online offers business certificate programs.

**What are my payment options?**
+–

We accept payments via credit card, wire transfer, Western Union, and (when available) bank loan. Some candidates may qualify for scholarships or financial aid, which will be credited against the Program Fee once eligibility is determined. Please refer to the [Payment & Financial Aid page](/more-info/payment-financial-aid/) for further information.

We also allow you to split your payment across 2 separate credit card transactions or send a payment link email to another person on your behalf. If splitting your payment into 2 transactions, a minimum payment of $350 is required for the first transaction.

In all cases, net Program Fees must be paid in full (in US Dollars) to complete registration.

**What are the policies for refunds and deferrals?**
+–

After enrolling in a program, you may request a withdrawal with refund (minus a $100 nonrefundable enrollment fee) **up until 24 hours after the start of your program.** Please review the [Program Policies page](/more-info/policies/#change-program-status) for more details on refunds and deferrals. If your employer has contracted with HBS Online for participation in a program, or if you elect to enroll in the [undergraduate credit option](/courses/core/undergraduate-credit/) of the Credential of Readiness (CORe) program, note that policies for these options may differ.

### Sign up for News & Announcements

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### Subject Areas

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- [Leadership & Management](/subjects/leadership-management/)
- [Entrepreneurship & Innovation](/subjects/entrepreneurship-innovation/)
- [Strategy](/subjects/strategy/)
- [Marketing](/subjects/marketing/)
- [Finance & Accounting](/subjects/finance-accounting/)
- [Business & Society](/subjects/business-society/)
- [Digital Transformation](/subjects/digital-transformation/)

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### About

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