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Financial Aid


Student Financial Services

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

Phone: 413-585-2530
Fax: 413-585-2566

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

Applicants & Prospective Students

This section is for prospective students applying for admission. If you are a current student, please go to the Student Financial Services website for financial aid deadlines and policies.

Important Information

The Student Financial Services Call Center will be open to take your calls Monday–Friday, 10 a.m.–noon and 1:30 p.m.–3:30 p.m. (Eastern).

Investing In Your Dreams Is Our Top Priority

Smith College welcomes and supports qualified students from all economic backgrounds. As part of the college’s commitment to access, affordability and equity, Smith has eliminated loans from its undergraduate financial aid packages for those students receiving institutional need-based aid, replacing those funds with institutional grants. The college will meet the full documented need, as determined by college policy, of all admitted students who apply for aid by the published deadlines.

Smith is also proud to partner with QuestBridge, a platform that connects students from low-income backgrounds with leading institutions of higher education.

Net Price Calculator

Please visit our Net Price Calculator to give you an early indication of the type of financial aid for which you may qualify.

When to Apply for Aid

You must not wait until you have been accepted to Smith to apply for aid. Any student who may need institutional financial assistance during their tenure at Smith should apply for aid by the financial aid deadlines. For applicants who meet the published deadlines, award notifications are sent with admission decisions.

Applying for Aid After Deadlines

Students from the United States who do not apply for financial aid by the published financial aid deadlines will be required to complete 64 credits earned at Smith before they are eligible to apply for institutional financial aid. This means that a student would be eligible to receive only federal, state, and outside aid for their first two years at Smith; no Smith grant aid would be available during that period.

How We Determine Need

Each financial aid application file is personally reviewed by experienced staff in the Office of Student Financial Services. In addition to submitting the required documentation, you are welcome to include any information that you feel will help us understand your family's financial status. Remember to complete your admission application, since only accepted students can receive a financial aid decision.

Three steps are used in documenting your level of financial need:

1. Calculating the family contribution

The Office of Student Financial Services evaluates each student's application using federal and institutional methodologies to assess a family's financial resources. During the review, attention is given to individual family circumstances. Standard factors involved in the review include income, assets, family size, the number of family members in college, unreimbursed medical expenses, taxes paid and tuition for siblings in elementary or secondary school. Staff will determine what each family is expected to contribute toward the student's annual educational expenses following the appropriate federal and college policies.

2. Determining the cost of attendance

An educational expense budget is calculated for each student. Tuition, fees, room and board, and standard allowances for books, supplies, personal expenses and travel are included.

3. Financial need

The difference between the cost of attendance and the calculated family contribution is the student's documented financial need.

Smith College recognizes the diversity of the modern family and requires the submission of information regarding both parents, as well as spouses and domestic partners of each parent. Exceptions to this policy are made on a case-by-case basis.

Merit scholarships are considered a resource when determining eligibility for need-based financial aid.  For example, if a student has $22,000 of calculated need and receives the Zollman Scholarship for $25,000, this student would not receive need-based aid since the scholarship exceeds the need. Students who have need-based aid eligibility above and beyond the amount of merit scholarships will receive need-based aid to cover the difference. Merit aid is not awarded on top of need-based aid, but is also considered to meet a family's financial need.

Allowance for Others in College

The fees of undergraduate institutions attended by siblings of traditional students or children of Ada Comstock Scholars are considered in our aid calculations. The enrollment status of each person is verified in the fall. A change in institution or enrollment status may affect your grant aid. For future planning, contact us for the allowance amount used this year.

Living with Relatives

There is a grant reduction if you live with relatives. Please contact us for the amount of the reduction if you are considering living at home or with relatives in the area.