YES! You need to activate and communicate your refund delivery choice regardless of whether you anticipate receiving a refund. Refunds primarily occur when your financial aid or changes in enrollment exceeds your charges for tuition and fees. However, there are many other reasons when your account with Higher One may result in a refund. It is in your best interest to specify your refund choice now in the event that a refund might be due to you in the future. You have the option to change your refund choice at a later date.