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FOR DOMESTIC STUDENTS WITH AWARDS

Loan/Work Awards for Domestic (or Eligible Non-Citizen) Students with AEMES, Davis, Phi Theta Kappa, Picker, Springfield, STRIDE, or Zollman Awards

Listed below are projected loan and work limitations. These levels are estimated and moderate changes may be made each year.  (Note: First year work/stipend amounts are as of academic year 12/13).

		Loan Award		Work Award
First Year
AEMES		$3,500		$2,250 stipend
Davis Award		$0		$0
Phi Theta Kappa Award (traditional student)		$1,000		$2,250 work study
Phi Theta Kappa Award (Ada Comstock Scholar)		$3,000		$2,650 work study
Springfield Award		$0		$2,250 work study
STRIDE or Zollman Awards		$0		$2,250 stipend

Second Year
AEMES		$4,500		$2,250 stipend
Davis Award		$0		$0
Phi Theta Kappa Award (traditional student)		$2,000		$2,650 work study
Phi Theta Kappa Award (Ada Comstock Scholar)		$3,000		$2,650 work study
Springfield Award		$4,500		$2,650 work study
STRIDE or Zollman Awards		$700		$2,250 stipend

Third Year
AEMES		$5,500		$2,650 work study
Davis Award		$0		$0
Phi Theta Kappa Award (traditional and Ada Comstock students)		$3,000		$2,650 work study
Springfield Award		$5,500		$2,650 work study
Picker, STRIDE or Zollman Award		$2,000		$2,650 work study

Fourth Year
AEMES		$5,500		$2,650 work study
Davis Award		$0		$0
Phi Theta Kappa Award (traditional and Ada Comstock students)		$3,000		$2,650 work study
Springfield Award		$5,500		$2,650 work study
Picker, STRIDE or Zollman Award		$2,400		$2,650 work study

Work Awards

Generally based on 7-10 hours per week for 30 weeks.

Maximum Federal Annual Loan Amount Limits

The Federal loan limits listed below are maximums. Your financial aid package may show a lesser amount based on the college’s policy of awarding need-based aid. You may still be eligible to borrow up to the federal maximum, although you may not be eligible for the interest subsidy on the entire loan.

Undergraduate Maximum Subsidized Loan Annual Amount
First Year		$3,500
Second Year		$4,500
Third Year		$5,500
Fourth Year		$5,500
Fifth Year		$5,500

Supplemental Unsubsidized Federal Direct Ford Loan

All students are eligible to borrow up to an additional $2,000 in Federal Unsubsidized Loan, depending on their calculated family contribution.  Students who have not been awarded the additional $2,000 in unsubsidized loan may request this loan by e-mailing st_loans@smith.edu.  Include the student's Smith ID number and the amount requested.

Independent students and Dependent students whose parents are denied for a federal PLUS Loan may be eligible to borrow additional amounts, listed below, through this program.

Undergraduate Maximum Annual Amount
First Year		$6,000
Second Year		$6,000
Third Year		$7,000
Fourth Year		$7,000
Fifth Year		$7,000

Get more general loan information.

For Domestic
Students

For Domestic
Students with Awards

General Loan Information

For International Students

For International Students with Awards