The University of Massachusetts Amherst
University of Massachusetts Amherst

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Delay of Financial Aid Awards for Returning Students

Financial aid decisions for returning students is expected to begin late July, after final fees are approved by the Board of Trustees. We will email you when your award is available in SPIRE. In the meantime, please check your SPIRE To Dos, as incomplete To Dos stop the awarding of financial aid.

Alternative Loans

Before considering alternative loan options, you should first apply for federal, state and institutional financial aid, including federal student loans.  You should use alternative loans only as a last resort to pay for college costs. File a FAFSA first. Go to for more information.