“Pending Items” are noted but not subtracted because they have not been formally processed. You may subtract these items from the amount due and pay the remainder. Items that might be pending include:

• State Grant Funds: These funds must be received by the College before they can be credited to your account. If your state grant has not yet been credited for the fall semester, please contact your state agency and inquire about your status. Once your state notifies us of your status via a formal roster, usually after add/drop, we will credit this amount to your fall bill.
• Federal Pell, SEOG grants: These funds will be pending if additional information is needed from your family by the Financial Aid Office. Email finaid@swarthmore.edu with questions.
• Direct Loan funds: These funds will be pending if additional information is needed from your family by the Financial Aid Office. Email SCloans@swarthmore.edu with questions.
• “Authorized Financial Aid” is aid that has already been subtracted from your Swarthmore College charges.

You may deduct outside scholarship funds not already applied to your student account that you are certain to receive for the fall or spring semester. If you have not already reported your outside scholarship amounts, you must report them to the Financial Aid Office. Email finaid@swarthmore.edu with the name, source agency and include the new or updated amounts. Please see our Financial Aid Handbook on our Common Questions website for more information. Please note that outside scholarship payments will be credited to your student account in the semester they are sent. Please plan accordingly when estimating your fall and spring bill payments. 

• All scholarship checks should be mailed to the Student Accounts Office.
  • Please do not send, or have sent, checks form your outside scholarship provider to the Financial Aid Office.
• Use the following address for all checks and outside scholarship notifications:
  • Swarthmore College
    Student Accounts Office
    500 College Avenue
    Swarthmore, PA 19081

• Students and parents may borrow through the Federal Direct Loan or Federal Parent (PLUS) Loan programs, even if they have not yet applied. More information about these federal educational loans is available on-line by visiting our Swarthmore College Financing Options website or www.studentaid.gov.
• Questions about the Federal Direct Loan or the Federal Parent (PLUS) Loan application process not answered on our website can be directed to: scloans@swarthmore.edu.

• All students must be covered by health insurance. Those not covered through their family’s plan must be covered through the College’s health insurance program.
• The Health Center will contact students regarding the Student Health Insurance Plan for the upcoming academic year.
  • All students are automatically enrolled in the Student Health Insurance Plan (SHIP).
  • You may waive out of the plan if you meet the requirements. Please see the Health Center website or the email sent to your student earlier in the summer for the deadline.
  • If you have other health insurance, update your insurance information on mySwarthmore using the tab on your E-Bill. Questions? Contact Gallagher Student Health & Special Risk at (833) 255-0743 Or Gallagher help center
• More about the health insurance requirement and the “opt out” process can be found on Swarthmore’s Health Center website.
• If you enrolled in the College’s health insurance program, it is noted as a separate charge on your bill. The annual insurance charge must be paid in full with your fall semester bill.
• Discounts will be automatically applied based on your eligibility once you have enrolled.