Student Financial Services

Financial Literacy

Important Financial Literacy Topics for Students:


SUNY Smart Track 

Credit Scores

Avoiding Scams

Loan Payments


SUNY Smart Track- your #1 resource for college affordability!

SUNY Smart Track is an online learning environment that empowers students and their families for a lifetime of success. With an emphasis on financial literacy education and default prevention services, Smart Track is designed for you to help every step of the way- from the moment you apply to New Paltz and continuing beyond graduation.  Create a login today: SMART TRACK



After graduation you'll want to make timely payments on your student loans because your credit score can affect you in more ways than you realize!  Visit the Federal Reserve's website to see who may look at your credit score and what impact this can have on you:  Visit Credit Reports and Credit Scores for more info.



Before you apply for financial aid, learn how to spot potential fraud and prevent identity theft. Visit Federal Student Aid for more info.  

Students can also check out these 10 Tips on How to Avoid Getting Scammed.



If you have any questions about your federal loans do not hesitate to contact your servicer.  They have been contracted by the Department of Education to help you!  You can ask them questions about repayment, the varying payment plans, interest, etc.  Also, if you are having a hard time making your payments after graduation you'll want to contact them to discuss it.  There may be options for you so that you can avoid ruining your credit with late or skipped loan payments!

Do you know who your loan servicers are?  If not, then follow these simple instructions to find out!

Visit the site and at the top of the page click "Manage Loans".