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A Culture of Care >> Read Smith’s plans for the fall 2021 semester.

Financing Options

Contact

Student Financial Services

College Hall 106
10 Elm Street
Smith College
Northampton, MA 01063

Phone: 413-585-2530
Fax: 413-585-2566
Email: sfs@smith.edu

Call Center Hours: Monday through Friday 10 a.m.–noon and 1:30–3:30 p.m. (EST)

We offer several financing options, including direct payments, a monthly payment plan, student loans and payments from a prepaid college plan. You may also combine these options into a personalized financing solution that works for you.

CASHNet Monthly Payment Plan

Smith offers one payment plan which allows students to pay their semester balance in four equal installments. Payments are due on the 10th of the month. You can sign up for a payment plan in CASHNet, Smith’s student billing system.

Additional Unsubsidized Loans

For domestic students, there are circumstances that allow a student to borrow an additional unsubsidized federal direct loan; most undergraduate students can qualify for $2,000 in an additional unsubsidized federal direct loan beyond the base subsidized loan eligibility. The amounts vary depending on the student's circumstances and other financial aid. Please contact us to determine your eligibility.

Independent students and dependent students whose parent was denied a PLUS loan may be able to borrow an additional $4,000 each year for their first and second years of school and an additional $5,000 each year for their third and fourth years of school.

Private Student Loans

Private student loans are nonfederal educational loans in the student's name, offered through private lenders. For U.S. citizens and permanent residents, we recommend that you first explore all federal loan options before considering nonfederal private loans. We highly recommend that you speak with a financial aid counselor before taking out a private student loan.

Comprehensive List of Private Vendors

Smith College does not maintain a recommended lender list. However, we do provide a comprehensive list of lenders that Smith students have used over the past three years.

Smith College has not reviewed the terms and conditions of the loans offered by these lenders and does not endorse any of them.

Please go to ELM Select to review the comprehensive list of lenders and the terms and conditions of their loans. Other private lenders exist that may not be on our list. You are able to choose any private lender that meets your needs.

Note that many credit unions are not listed individually but can be found under cu student (student choice) on ELM Select.

Smith College and its employees do not receive any benefits from lenders listed on this comprehensive list. We are committed to the highest standards of professional conduct. Please review our Code of Conduct for details of our practices.