Billing and Payment Procedures

Contact Information

Business Office
Dowagiac: First floor of David C. Briegel Building
Niles: Just off main entance, to the left
Phone: 800-456-8675, ext. 1298

This information is provided to assist you with understanding the billing and payment procedures at Southwestern Michigan College.


Your student bill will be emailed to your SMC email address once a month. Current and past bills can be viewed in the Student Bill & Payment Center.

The student bill will include all charges and credits or pending credits at the time the bill was generated. Changes in your schedule or financial aid may have an effect on the amount that you are responsible to pay. Changes that might modify your account balance include:

  • Adding or dropping a class
  • Changes to your financial aid package
  • Changes to your anticipated outside funding (loans, scholarships, etc.)
  • Changes to your housing status
  • Additional charges or fees (payment plan fees, ID replacements, etc.)

If you make changes to your registration or housing status after the semester due date, and these changes result in an additional balance due, you are responsible for payment at the time the change occurs.

Financial Aid:

Your student bill will reflect your financial aid eligibility only after you have completed the necessary documents and accepted your award. Pending financial aid will appear under the “Memos and Authorizations” section of your bill and will reduce the amount you are expected to pay.

Student Loans: Pending Direct Loans (subsidized and unsubsidized) will appear on your bill as authorized items. If you are a first time borrower at Southwestern Michigan College you will need to complete the necessary steps prior to the disbursement of your first loan(s).

Plus Loans: Pending Parent Plus Loans will appear on your bill as authorized items. If you are a first time borrower at Southwestern Michigan College you and your parent will need to complete the necessary steps prior to the disbursement of your first loan(s).

Tuition Incentive Program (TIP): A pending TIP award will appear on your bill as an authorized item. You must receive an official award letter from the State of Michigan and your award will be paid after SMC has certified your eligibility. TIP will pay a maximum of 12 credit hours per semester at the In-District tuition rate and a maximum of $250 in fees. Any additional balance due is the responsibility of the student.

College Work-Study: A work-study award may be a part of your financial aid package. However, this award is not a guarantee of employment and will not be deducted from your bill. If you are employed in a work-study position you will be paid as you work through SMC payroll.

Payment Procedures/Information:

You are responsible for full payment of your account balance, minus any pending financial aid. Payment is due on the specified due date for each semester. If you register for classes after the tuition due date, payment is due in full at the time of registration. This includes completion of any required financial aid information. Failure to do so may result in you being dropped from your classes.

Forms of Payment: Payment may be made by ACH from a checking or savings account, check, money order, cash, Discover, MasterCard, Visa, American Express or through a selected payment plan (see Payment Plans below). Payment may be mailed to: Attn: Cashier, 58900 Cherry Grove Rd., Dowagiac, MI 49047. There is a 2.75% convenience fee added to all credit or debit card payments and a $35.00 per semester enrollment fee for the payment plan. There is no additional charge for any other form of payment.

Payment Plans: You may choose to pay your semester balance on a payment plan. You may enroll in a payment plan and begin paying your bill prior to when your bill is due to help make your payments smaller.

To view available payment plans or to enroll, log in to SMC Wired and click on the “Student Bill & Payment Center” under the “My Courses” tab. Once you are on the Bill & Payment Center page, select “Payment Plans” from the options. There is a $35 non-refundable enrollment fee to enroll in a payment plan each semester.

Bookstore Voucher Policy: In order to assist our students with purchasing their books in a timely manner, SMC offers bookstore vouchers to qualified students.

Special Funding:

If you are awarded a scholarship, loan or grant from an outside organization which will not be paid by the semester due date, you must present a voucher or letter from that agency stating the terms of the payment. In absence of the voucher or letter, you will be responsible for payment. This includes a third party payment from an employer or other source.

Refund Policy:

If there is an overpayment on your account, a refund will be issued during our biweekly refund process. Each semester the refund process will begin after the add-drop period ends. Financial Aid will be disbursed to student accounts during the sixth week of the semester and students qualifying for a refund will receive their refund after that point. Refund checks are not available for pickup. You may choose to receive your refund through direct deposit by setting up a direct deposit account in your “Bill & Payment Center” under the “Refund” option. Those who do not have a direct deposit account selected will receive their refund check via standard mail. Checks are mailed to the current mailing address you have on file with Southwestern Michigan College. If you are a housing student, your refund check will be delivered to your housing mailbox.

Drop/Withdrawal Policy:

Once students have initially registered for classes, they may modify their schedule by adding or dropping classes until the end of the late add/drop period of the term. The class offering booklet provides important deadline dates for dropping and adding classes. In order to withdraw from classes after the term has begun and the last date to drop classes has passed, students must complete a Course Withdrawal Form available at the Student Service Center in the David C. Briegel Building. No refund of tuition and fees will be received for a course withdrawal and a grade of “W’ will be issued on the student’s academic transcript. Note: Students who simply stop attending class without an official withdrawal transaction may receive a failing grade which cannot be removed from their transcript.

Request for Exception for Late Refund or Withdrawal:

Southwestern Michigan College realizes that on occasion students may need to request an exception to the withdrawal/refund deadlines as published in the schedule of classes. Written requests can be made if the student meets the extenuating circumstances outlined below. In all cases, the circumstance must have interrupted the student’s ability to (1) attend class(es) for a substantial length of time, (2) complete the semester, and/or (3) adhere to the usual withdrawal or refund procedures. Students must complete the Request for Exception for a Late Refund or a Late Withdrawal Form. All exception requests must be submitted by the student. Exceptions submitted by a parent, legal guardian or spouse will be accepted only if the student is incapacitated. Approval of these Requests is not “automatic.” Each one will be considered on its own circumstances and merits. The typical response time for the Exception Request Committee is several weeks. The decision of the Committee is final and will be communicated to the student in writing.