Financial Aid & Billing FAQs

Our Financial Aid office is here to partner with you to make a Saint Mary's education affordable. 

Financial Aid FAQs: 

Below are just a few questions you may be asking yourself regarding the financial aid process. As always, you can always reach us at (925) 631-4370 or

Where do I find information about Financial Aid?

The best place is our Financial Aid site and Things You Need to Know section (FAQs). Also, please read the Understanding Your Financial Aid brochure included in your Welcome Packet.

What is the deadline for returning my award letter?

If you plan on accepting all of the awards from the financial aid office, you will not be required to return the award letter. If you intend to decline any of the awards, please sign and return the award letter with the changes you want as soon as you're able.  

How do Federal Direct Student Loans work?

Students who plan to take out the Federal Direct Student Loans must visit the Federal Student Aid site to complete the Entrance Counseling and Master Promissory Note.

What about the Parent Loan for Undergraduate Students?

If your parents wish to take out the Parent Loan for Undergraduate Students (PLUS) they can visit the Federal Student Aid site and complete the PLUS Application and Promissory Note.

Are there other sources for financial aid?

We strongly urge students to search for outside scholarships to help meet college expenses and reduce the need to take out loans. Please visit our Financial Aid scholarship search pages.

Do you still have questions or need help wading through the paperwork?

Check out our FAQs but if you need to contact someone here's who you should reach out to.

You can also contact us at (925) 631-4370 or


Billing FAQs: 

When will I get my first bill and when is it due?

Bills will be sent to your online student account on GaelXpress beginning in July (click “Student Account Center”). Your balance is due on Friday, August 2, 2019.

Will I get my bill in the regular mail?

No. Saint Mary's only bills online via GaelXpress. You will receive information in the mail regarding your balance in July but all bills are sent electronically.

Why don't I see my financial aid on my bill?

  • If you have received a financial aid award letter, that aid will be reflected as “pending” on your bill.

  • If you have not received a letter from us, nothing will show.

  • Make sure you have filed your FAFSA and submitted any required documentation.

  • Outside scholarships do not appear on your bill. Subtract the scholarship amount and pay the balance along with verification of your scholarship.

  • Federal Work-Study is not included as pending aid (you must secure employment and you will get paid directly).

  • Please review your financial award letter on GaelXPress.

Questions? Check out our Things You Need to Know section (FAQs) or contact us at (925) 631-4370 or

Why can't my parents see my bill?

Students must set up Authorized Users through GaelXpress for parents, grandparents, and others to view bills and pay online. It is a one-time setup and it is strongly encouraged that students set up their parents as Authorized User. Once an Authorized User is set up, he/she will receive two emails (one will have a computer-generated password for them to use the first time they log in.) Authorized Users will go to to view the bill, make an eCheck payment, etc.

Students: GaelXpress >

Parents and Family Members:

How do I pay my bill?

Saint Mary's does not accept credit card payments. Students may make eCheck payments using GaelXpress (click on the Student Account Center). Parents can use Checks may also be mailed directly to the SMC Business Office at 1928 St. Mary's Road PMB 4600, Moraga, CA 94575. All checks should be payable to Saint Mary’s College (please include your student id number to ensure proper posting).

Does Saint Mary's offer a payment plan?

Saint Mary’s College offers a payment plan for all full-time undergraduates to pay tuition, room, and other fees monthly. The setup fee is $50 per semester. Payments are due on the 15th of each month. The fall semester payment plan starts June 15th and ends October 15th (for the 5-Month Payment plan) or July 15th through  October 15th (for the 4-Month Payment Plan). Students may enroll through the Student Account Center. This is a voluntary payment plan for each semester, one semester, or no semester at all. It is your choice!

The spring 2020 Payment Plan will open for enrollment at the end of October. The installments for the 5-Month spring plan will run from November 15, 2019-March 15, 2020. The installments for the 4-Month Payment plan will run from December 15, 2019-March 15, 2020.

If you receive financial aid to cover your allowable charges for the semester, your financial aid will be used to reduce or pay off your monthly payment plan *prior* to any refund (if any) being issued.

Students may enroll by logging into GaelXpress and clicking on the Student Account Center, then click on "Enroll in Payment Plan".

Parents who are set up as Authorized User will go to and click on Enroll in Payment Plan.

What if I don't get my bill?

Contact the Business Office (8:30 a.m.–5 p.m. PST) at (925) 631-4209 or You may view real-time account activity on the Student Account Center by clicking on "View Activity".

What if I already have medical insurance through my family?

All students are REQUIRED to have medical insurance. You can opt-out of Saint Mary's medical insurance by August 15. If you do not opt-out by August 15 you will be insured for the FULL YEAR with coverage beginning on August 1, 2019, and ending on July 31, 2020. There is no opportunity to opt-out in the spring semester. International students and U.S. citizens whose primary residents are abroad will NOT be able to opt-out. Mandatory enrollment is required if your permanent address is abroad.

Insurance Medical Waiver >

Why am I being billed for a single when I requested a triple?

Housing requests are not always guaranteed. Contact the Housing Office at (925) 631-4241 or

There is a negative number in the Term Balance field, what does this mean?

A negative number is a credit balance and means you are due a refund. Usually, refunds are a result of your student loans. Refunds will only be issued on credit balances after ALL allowable charges have been paid in full (including any payment plan balance). Refunds are ready the first week of the semester (if all the aid has posted). Parent Plus Loan refunds typically go to the parent borrower unless the parent authorized the refund to go to the student.

Please Note: A refund cannot be processed until there is an actual credit balance on your account. We do not refund in anticipation of aid posting. Refunds are not issued for students with monthly payment plans until the plan is paid in full. Refunds will go back to the originating source if a payment is made by a third party.

What if I have to withdraw from Saint Mary’s College?

SMC will refund 85% of tuition at the end of the first week of the semester, 80% at the end of the second week of the semester, and 75% at the end of the third and fourth week. There is NO tuition refund after the fourth week of the semester, however, families may purchase Tuition Refund Insurance through GradGuard for students who cannot complete classes for the semester due to a covered medical reason.

Please visit or call 1-866-724-4384. If interested, you must purchase insurance on or before the first day of the semester.

Please note: Room and board charges are refunded based on the terms in the Residence Hall and Dining Services License and financial aid disbursements will be adjusted based on the percentage of the time you attended SMC.

Do you still have questions?

Not to worry, contact the Business Office (8:30 a.m.–5 p.m. PST) at (925) 631-4209 with questions regarding tuition and billing questions at If you have questions regarding loans and or scholarships, contact the Financial Aid office at (925) 631-4370 or by email at


Business Office Mailing Address

1928 Saint Mary's Road
PMB 4600
Moraga, CA 94575
(925) 631-4209