Create a record default set and mark Assess finance charges on balances due from this [record]. Then choose to automatically apply it to either student, individual or organization records.

To create a default set:

1. Go to Tools >Organize/Create Defaults.
2. Select Student, Individual or Organization and within the default parameter mark Assess Finance Charges on balances due checkbox and add any other defaults needed.
3. Save and Close the Default set.
4. Go to Tools> Options>Student, Individual or Organization and for Default Set To Use drop-down choose the saved default set. 
5. Mark to automatically load when creating new records (Keep in mind that this setting is user specific).
6. Apply and click OK.