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Types of Financial Aid

Outside Aid

If you receive any assistance from an organization outside of the college, this aid must be taken into consideration in calculating your financial aid award. You are required to report all outside aid through our outside aid reporting tool on Bannerweb. Under the Student Financial Services menu choose the "Resources/Addtional Information" tab and follow the instructions.

Please send all outside aid checks to:

Smith College
Student Financial Services
College Hall
Northampton, MA 01063

The treatment of outside aid depends on the source, as outlined below.

Outside Aid Awarded on the Basis of Student Merit

Smith College recognizes your achievement in being awarded merit-based aid. Outside aid based on student merit will first reduce or replace the self-help portion of your award (federal work study and federal subsidized loan). If the outside aid exceeds the total self-help portion of your award, we will allow the aid to go toward a one-time computer purchase or toward the cost of the on-campus health insurance plan. If you do not purchase or have already purchased a computer, and if you do not accept the on-campus health insurance plan, or if your merit aid exceeds these costs, merit aid will replace Smith grant on a dollar-for-dollar basis.

Outside Aid Resources

The outside aid resources listed below (click on link) are here for your convenience. Smith does not endorse a particular aid source.

List of resources



A nationwide scholarship search engine


Free scholarship search

U.S. Department of Education

The Federal Student Aid Office is an office of the U.S. Department of Education. This website provides a free scholarship search.

Scholarships and Grants.US

Provides scholarship and financial aid resources to students preparing for all types of careers


Big Y Scholarships

These scholarships are available to high school seniors, undergraduates, graduates, community college and nontraditional students. Big Y customers and their dependents and Big Y employees and their dependents are eligible.

Gates Millenium Scholars

A highly competitive program for students of high academic achievement and leadership potential who have significant financial need.

Benjamin A. Gilman International Scholarship

A scholarship program that provides awards for U.S. undergraduate students receiving Pell grant funding in a two- or four-year college or university to participate in study-abroad programs worldwide. This program is sponsored by the U.S. Department of State, Bureau of Educational and Cultural Affairs and is administered by The Institute of International Education.

AES Scholarship

AES Engineering offers scholarships to motivated students

Nonmerit Outside Awards

This type of award includes tuition subsidies based on parent employment, or state and federal grant assistance. These awards are not based on student merit and reduce Smith grant eligibility dollar for dollar. Educational benefits from state and federal agencies will reduce the self-help components of the award (loan and work). Need-based loans from state or outside agencies can be used to replace dollar for dollar either the suggested federal loan or the work study award.

Veterans Benefits

Educational Benefits

Smith College will consider any veteran's educational benefit as a resource for financial aid. This means that financial assistance offered through Smith may be reduced when the amount of Veteran's Administration (VA) benefits are factored into the award. This will apply to any institutional financial aid awarded. Our normal treatment for outside aid is to reduce or eliminate your self-help aid (loans or work-study). If your outside aid goes beyond these adjustments, Smith grant assistance will be reduced dollar for dollar. However, most VA educational benefits are exempt from being considered as a resource for determining federal financial aid funding levels. This means you may be allowed to keep a subsidized federal loan and federal work study, but could have a reduction in any grant assistance offered by Smith. Smith College merit awards are excluded from this treatment. Students requesting certification must fill out a Veterans Certification Request form (PDF) and submit it to the Office of the Registrar along with their VA Certificate of Eligibility.

Yellow Ribbon Benefits

Smith College is proud to be a sponsor of the Yellow Ribbon Program for our nation's veterans. This program was created as part of the post 9/11 Veterans Educational Act of 2008. Smith has made a commitment to both undergraduate and graduate students. Students seeking either a bachelor's or master's degree can apply for assistance through this program. Students must complete a Yellow Ribbon Benefits Request Form (PDF) to be considered. Funding is limited and will be issued on a first-come, first-served basis. Awarding will be determined by the date and time this form is returned to the appropriate office. Any student applying for this benefit is encouraged to fax or email the completed form. This program is only open to those veterans who have met the necessary qualifications for enrollment in this program. Eligibility criteria can be viewed on the GI Bill website.

Any student awarded funding through the Yellow Ribbon Program will continue to receive this benefit as long as they remain in good academic standing and Smith continues to participate in the program. Students must also have a remaining entitlement through the VA. Yearly funding levels will depend on the amount Smith commits to this program.

ProgramEnrollment Maximum Contribution
Traditional undergraduatesTwo students maximum each year $10,000
Graduate students
(excludes SSW)
One student maximum each year $10,000
Graduate School for Social WorkOne student maximum each year $7,500

Funding levels above will be matched by a direct contribution from the VA. Eligible students meeting the application criteria will be awarded the benefit regardless of whether they qualify for need-based assistance. This benefit will replace need-based grant assistance on a dollar-for-dollar basis, per our outside aid policy. Students accepted into Smith's Yellow Ribbon Program will be required to present their VA Certificate of Eligibility to a school certifying official.