Financial Aid for Current Students

As part of the Smith community, you will have access to the financial resources you need to continue your education and experience everything the college has to offer. We also offer financial advice to help all families manage the cost of college, whether or not they qualify for aid.
This section is for current students applying for aid. If you are a prospective student, please go to the Tuition & Financial Aid section for application deadlines and policies.
Important Information
Although Smith College eliminated loans from need-based financial aid awards, most students are still able to borrow a student loan. Please visit the Financing Options menu on this website for details.
Student Loans:
loanhelp@smith.edu
Student Employment:
studemp@smith.edu
Office Open Hours:
M/W/F, 10 a.m.–4 p.m.; T/Th, 8:30 a.m.–4 p.m.
Call Center Hours:
M–F, 10 a.m.–12 p.m. (EST); 1:30 p.m.–3:30 p.m. (EST). For general questions, call the office or schedule a phone or Zoom appointment with an SFS director.
No Loans (Yes, Really!)
Smith College does not include student loans in its undergraduate financial aid packages for students receiving need-based institutional grants—instead, we replace the loan amount with grants from the college, meaning students don’t graduate under a mountain of debt.
Meet the Team
Joanna May
Vice President for Enrollment
Responsible for the Offices of Student Financial Services and Admission including planning, policy, budget and oversight.
David Belanger
Director of Student Financial Services
Responsible for all daily operations in the Office of Student Financial Services. Reviews eligibility for federal and institutional aid, counsels students and parents.
Michael Ireland
Senior Associate Director
Leads the Office of Student Financial Services outreach work for both on and off campus constituents. Reviews eligibility for federal and institutional aid, counsels students and parents.
Cathy Klaes
Associate Director
Leads the School for Social Work aid program. Oversees student accounts. Reviews eligibility for federal and institutional aid, counsels students and parents.
Mairin Brady
Associate Director
Leads the Office of Student Financial Services Compliance Unit. Responsible for the audit and compliance functions in all federal and state grants and loans. Reviews eligibility for federal and institutional aid, counsels students and parents.
Shelly Cotnoir
Assistant Director
Reviews eligibility for federal and institutional aid, counsels students and parents, processes MEFA and private student loans, and supports Federal Compliance Unit.
Jessica Eggleston
Assistant Director
Reviews eligibility for federal and institutional aid, counsels students and parents. Manages undergraduate and graduate student payments.
Polly Gelfman
Assistant Director
Reviews eligibility for federal and institutional aid, counsels students and parents. Liaison to Office of Admission.
Kayara Hardnett-Barnes
Student Financial Services Adviser
Informs and advises students and parents regarding student accounts, aid
and application processes.
Audrey Voskoboinik
Assistant Director
Reviews eligibility for federal and institutional aid, counsels students and parents. Focus on the Ada Comstock Scholar and graduate student aid programs. Responsible for veterans' educational benefits.
Tina Young
Assistant Director
Reviews eligibility for federal and institutional aid, counsels students and parents. Manages undergraduate and graduate student billing.
Maureen Cain
Systems Analyst
Responsible for systems support, surveys, reporting.
Rauterica Ford
Operations Manager
Acts as Office Manager; works with Director in overseeing the operational
component of the Student Financial Services office. Supervises the
Customer Service Unit.
Jamie Harmon
Student Financial Services Adviser
Informs and advises students and parents regarding student accounts, aid
and application processes.
Charity Parker
Student Financial Services Adviser
Informs and advises students and parents regarding student accounts, aid and application processes.
Valerie Schumacher
Fund Coordinator
Responsible for state grants, and the awarding of the college's endowed funds.
Pamela Wright
Loan Coordinator
Federal and institutional loan processing. Reconciliation. Federal compliance unit support. Loan inquiries.
Tuition & Fees
Tuition Refund Insurance Program
Smith College has partnered with GradGuard Tuition Protection Plan by Allianz Global Assistance to provide an optional tuition insurance plan. Tuition insurance acts as an extension of the college's refund policy—securing reimbursement for your tuition payment, room and board fees, and other nonrefundable expenses if you withdraw for a covered reason during the semester. Learn more at GradGuard.com/tuition/smith or by calling 1-877-794-6603.
Ada Comstock Scholars Cost of Attendance, 2023-24
Fees and aid for Ada Comstock Scholars will be based on the number of credits in which the student is enrolled on the 15th day of each semester. After that deadline, fees and aid will be changed only if the Administrative Board gives special permission, and only if the change adds to your total number of credits.
Amount of Credits per Semester | Cost |
---|---|
16 and more credits (full time) | $30,630 |
12 to 15 credits (full time) | $22,920 |
8 to 11 credits (part time) | $15,280 |
*Ada Comstock Scholars enrolled in fewer than 8 credits pay on a per credit basis at the rate of $1,910 per credit and are not eligible to receive institutional financial aid.
** Full-time Ada Comstock Scholars are charged a Student Activities Fee of $154 per semester
Dining
All Ada Comstock Scholars are able to utilize Smith Dining Board options during the academic year via their OneCard access, regardless of housing status or financial aid eligibility. This benefit is not extended to students' dependents.
Health Insurance
$3,148 annually ($1,574 per semester). This fee may be waived if you have comparable health insurance that will cover you while in Massachusetts. Ada Comstock Scholars who receive need-based grant aid from Smith will receive a grant to cover this cost if they accept the Smith health insurance.
Tuition Refund Insurance Program
Smith College has partnered with GradGuard Tuition Protection Plan by Allianz Global Assistance to provide an optional tuition insurance plan. Tuition insurance acts as an extension of the college's refund policy—securing reimbursement for your tuition payment, room and board fees, and other nonrefundable expenses if you withdraw for a covered reason during the semester. Learn more at GradGuard.com/tuition/smith or by calling 1-877-794-6603.
Housing Options Per Semester, 2023–24
Ada Comstock housing has a direct impact on the total cost of attendance. Housing and food for the academic year are included in the cost of attendance, either as a direct billed cost or as an allowance for out-of-pocket expenses, depending upon the housing option chosen.
Housing Option | Cost per Semester |
---|---|
Room Only | $5,350 |
Conway Apartments* | $11,255 |
*Conway Apartments are available by 12-month lease only, and include utilities.
Contacts for Fees
Fee | Contact |
---|---|
Course fees | Academic department (varies) |
Library fines | Neilson Library: 413-585-4162 |
Parking fines | Department of Campus Safety: 413-585-2490 |
Telephone bills | Information Technology Services: 413-585-2082 |
Faculty evaluation fines | Dean of the College: 413-585-4900 |
Infirmary charges | Student Health Services: 413-585-2800 |
Key charge | Student Affairs: 413-585-4940 |
Smith College School for Social Work
For students interested in pursuing either a master's or doctorate in social work, the School for Social Work has separate tuition and handles its billing process independently. For more information, please visit the School for Social Work website.
Fees for All Programs
Application and Tuition Fees
Fee | Cost |
---|---|
Application fee | $60 |
Tuition fee per credit (for fewer than 8 credits/semester) | $1,910 |
Health Insurance (Estimates)*
Coverage start date | Cost |
---|---|
Coverage beginning August 15 | $3,200 |
Coverage beginning June 15 (M.A.T. students only) | $3,600 |
*This fee may be waived if you are a U.S. citizen with comparable health insurance that will cover you while in Massachusetts.
Deposit
A one-time general deposit of $100 is required from each student upon admittance. The deposit will be refunded the October following graduation, or approximately six months following the student's last date of attendance, after deducting any unpaid charges or fees.
The deposit is not refunded for new students in the case of withdrawal before entrance, or if you are separated from the college for work or conduct deemed unsatisfactory.
Withdrawals
Current students who plan to withdraw must notify the graduate director in writing before July 1 (for first semester) or December 1 (for second semester).
Graduate Housing
Students in the Diploma program are provided rooms in Smith houses and generally participate in the meal plan. We also have a limited number of rooms available in our graduate house for students in other graduate programs; food is not included.
Housing | Cost per Semester | Cost per Year |
---|---|---|
Room & Board* | $10,655 | $21,310 |
Room only | $5,350 | $10,700 |
*Diploma students only
Course & Instruction Fees
Riding Classes
Close to the Smith campus is Muddy Brook Farms, where riding lessons are available to all students at the college. The farm is on the PVTA bus route in Hadley, MA. The Smith riding team uses their facilities for practice and for some shows. Fees are set prior to the fall semester, and inquiries may be directed to the athletics department: 585-2706.
Studio Art Courses
Certain materials and supplies are required for studio art courses and will be provided to each student. Students may require additional supplies and will be responsible for purchasing them directly. The expenses will vary from course to course and from student to student.
Other Fees & Charges
Continuation Fee
Students on leave of absence or attending other institutions will be assessed a continuation fee of $60 per semester to maintain enrollment status at the college.
Overdue Balance Fee
Any balance outstanding for fall after August 10 or for spring after January 10 is considered overdue. Overdue balances will be assessed a late fee of $1.25 per $100 each month they remain outstanding.
Insufficient Funds Fee
If a payment is rejected due to insufficient funds, a charge of $20 will be added to the student account.
Incorrect Account Number Fee
If an incorrect or invalid account number is entered into our TouchNet payment system when a payer is attempting to make a payment, a $5 charge will be added to the student account.
Late Registration Fee
Students who make registration changes after the registration period will be assessed a $35 fee for each change.
Bed Removal Fee
Students who remove their beds from their campus rooms will be charged a $100 bed removal fee.
Health/Fire/Safety Violation
A minimum fine of $5 per item will be charged for items left in public areas such as corridors, stairways or entrances. These items create a hazard and violate compliance with the Americans with Disabilities Act, as well as city and state building, fire and safety codes.
Satisfactory Academic Progress
A student is in good academic standing as long as they are matriculated at Smith and is considered by the Administrative Board to be making satisfactory progress toward the degree. The academic standing of all students is reviewed at the end of each semester.
The concept of satisfactory academic progress (SAP) mandates the monitoring of both grade point average (GPA)—qualitative progress—and the number of credits completed—quantitative progress.
Contact Student Financial Services
College Hall 106
10 Elm Street
Smith College
Northampton, MA 01063
Phone: 413-585-2530 Email: sfs@smith.edu