In addition to using savings, scholarships, grants or loans to pay college costs, parents and students can also take advantage of college payment programs. Most colleges have a plan that allows families to spread the cost of one year of college by making 5-10 monthly payments each year. There is usually a low enrollment fee of $40-50 and schools rarely charge interest. Monthly payment amounts depend on the cost of one year of college and any discounts offered by the college. Some colleges offer their own payment program and others offer payment programs through vendors. Fall tuition payments usually begin in July and end in November while spring payments begin in December and end in April.