Welcome to Hobart and William Smith Colleges’ Loan and Resource Center! We hope that you find this portion of our website to be useful in your application for educational loans. For your convenience, HWS is a participant in the Federal Direct Loan Program. To simplify the loan application process we have created a navigation link for each loan type as well as your entrance and exit counseling requirements for federal student loans.

If you find that you need additional loan funds, we recommend that all federal aid and loans be exhausted prior to applying for private education loans. Under the Private Education Loans link, we have provided a list of the lenders that our students have borrowed through in the past. We are happy to certify a loan from any lending institution. In the case that a family opts to work with a lender that we have not previously worked with and there are instances when our loan-certifying officer is not able to retrieve necessary information from a lender, the student or parent borrower must become an active member in the resolution of any problems.

If you have any questions regarding our Loan and Resource Center or your financial aid award, please contact our office at (315) 781-3315 or e-mail us at If you have questions regarding your bill or payment options, please contact the Student Accounts Office at (315) 781-3343 or

Beth Nepa
Director of Financial Aid


Contact Us

Office of Financial Aid
300 Pulteney Street, Demarest Hall
Geneva, NY 14456
Phone: (315) 781-3315
Fax: (315) 781-4048


Preparing Students to Lead Lives of Consequence.