Financial Aid and Student Loan Information
UMass Amherst Financial Aid Services can help you with filling out and filing the Free Application for Federal Student Aid (FAFSA). A UPay payment plan allows you to spread out your tuition payments in installments. Income Based Repayment or economic hardship deferments may be available for some student loans. Financial Aid Services staff can review and adjust your budget on case by case basis.
My Debt Center is a tool designed to help you monitor your UMass Amherst student loan activity. It displays your loan details and contains information about epayment options and scholarships. To access My Debt Center in SPIRE, go to Main Menu > Finances > View Financial Aid > My Debt Center.
To access the My Debt Center page, log in to the desktop version of your SPIRE account. Click on “View Financial Aid” in the Finances menu, then click on the My Debt Center button in the upper right corner of your screen.
Smart About Money (SAM)
Part of the Bursar's Office, SAM is a financial wellness program for UMass students. Through events or meetings with a Peer Financial Coach, learn to navigate student loans and college finances to prepare yourself for financial success.
Banking Services, Loans, and Financial Counseling
The UMassFive Credit Union has checking and savings accounts and other financial services including loans (student, personal, auto, bicycle, etc.); mobile banking; and mortgages.
UMassFive’s affiliates can compare student loans, find scholarships, personalize loan repayments, manage credit card debt, help prevent foreclosure, and provide financial education and advice.
The Student Life Support Team can help undergraduate students with emergency microgrants for unexpected situations, small living expense loans, and bridge loans for veteran GI Bill benefits. Emergency loans for graduate students are available through the Graduate Assistantship Office.
Student Care and Emergency Response Fund & Student Care Supply Closets
The Student Care and Emergency Response Fund can provide help to students with economic insecurity who are encountering unforeseen expenses. Contact the Dean of Students Office at 413-545-2684 to schedule a meeting with a case manager. Student Care Supply Closets provide free toiletries and household items to students facing economic insecurity and/or unexpected financial emergency. Students needing supply closet items are invited to drop by one of the Supply Closet locations listed below and a staff member will be able to assist.
- Dean of Students Office, 227 Whitmore Administration Building
- Center for Multicultural Advancement and Student Success, 101 Wilder Hall
- Off Campus Student Center, 314 Student Union Building
- Student Veteran Resource Center 19 Dickinson Hall
Free Tax Preparation
The School of Management hosts a free tax preparation service for qualifying students.
Money stress can have a big impact on your well-being. Calming your body’s stress responses can help you think more clearly, get control of your situation, and find better solutions. Having a financial rough patch is not a sign of personal failure or weakness. Money management tools, learning from financial professionals, support for managing anxiety, or meeting with a support group or a drop in session with a counselor at the Center for Counseling and Psychological Health (CCPH), can help you see options and solutions for your situation and get you back on track so you feel more in control and optimistic.
Apps like Mint.com, Wally, and Good Budget can make tracking and managing your budget easy so you stay on top of what comes in, what goes out, what you’ve saved, and if you’re on track with your budget to meet your goals.
Save money on textbooks and software through free Open Education Resources, free and discounted software, asking faculty to add textbooks to course reserves, renting textbooks, or buying used textbooks. Sell your used textbooks through eCampus @ UMass.
Visit I Need Food to learn about the Supplemental Nutrition Assistance Program (SNAP), formerly known as the Food Stamp Program. Save money on food with recipes and strategies for eating well on $4 a day. Brandless offers high quality, healthy food and household products with specialized selections of certified Kosher, gluten-free, and vegan foods for $3 or less.
When shopping or traveling, look for and use student discounts.
If you currently have MassHealth coverage, you may be able to sign up for the UMass Amherst health insurance plan through MassHealth Premium Assistance. If you qualify, MassHealth will pay for your student health insurance plan. Information on MassHealth premium assistance is at 1-855-273-5903.