Billing FAQ

When will I get my first bill and when is it due?

Bills will be sent to your online student account on GaelXpress beginning in July (click “View My Bill/Make a Payment”). 

Will I get my bill in the regular mail?

No. Saint Mary's only bills online via GaelXpress. You will receive information in the mail regarding your balance in July but all bills are sent electronically.

Why don't I see my financial aid on my bill?

  • If you have received a financial aid award letter, that aid will be reflected as “pending” on your bill.
  • If you have not received a financial aid award letter from us, nothing will show on your student bill.
  • Outside scholarships will not appear on your bill. Subtract the scholarship amount from your outstanding balance and provide the Business Office with verification of your awarded scholarship.
  • Please review your financial award letter on GaelXpress.

Questions? Contact us at (925) 631-4370 or

Why can't my parents see my bill?

Students must set up Authorized Payer profiles through GaelXpress for parents, grandparents, and others to view bills and pay online. It is a one-time setup and it is strongly encouraged that students set up their parents as Authorized Payers. Once an Authorized Payer is set up, he/she will receive an email when a new bill is available and he/she will go to QuickPay to view the bill.

How do I pay my bill?

Saint Mary's does not accept credit card payments. Students may make eCheck payments using GaelXpress. Parents can use QuikPay. Checks may also be mailed directly to the SMC Business Office at 1928 St. Mary's Road PMB 4600, Moraga, CA 94575. All checks should be made payable to Saint Mary’s College (please include your student ID number to ensure proper posing to your student account). For information regarding wire transfers, please contact the Business Office directly at (925) 631-4209 or

Does Saint Mary's offer a payment plan?

Saint Mary’s College does offer payment plans for both Fall and Spring tuition. To set up or gain more information about this payment option, please contact the Business Office directly at (925) 631-4209 or

What if I don't get my bill?

Contact the Business Office (8:30 a.m.–5 p.m. PST) at (925) 631-4209 or

What if I already have medical insurance through my family?

All students are REQUIRED to have medical insurance. You can opt-out of Saint Mary's medical insurance. If you do not opt-out of the school provided insurance you will be insured for the FULL YEAR with coverage beginning on August 1st and ending on July 31st. There is no opportunity to opt-out during the Spring semester. International students and U.S. citizens whose primary residence is abroad will NOT be able to opt-out of the school provided health insurance. Mandatory enrollment is required if your permanent address is abroad.

Insurance Medical Waiver >

Why am I being billed for a double when I requested a triple?

Housing requests are not always guaranteed. Contact the Housing Office at (925) 631-4241 or

There is a “CR” in the Amount Due field and a negative number in the Balance Due field, what does this mean?

A negative number is a credit balance (CR) and means you are due a refund. Usually, refunds are a result of your student loans. Refunds will only be issued on credit balances after ALL allowable charges have been paid in full (including any payment plan balance). Refunds are ready the first week of the semester (if all the aid has posted). 

Please Note: A refund cannot be processed until there is an actual credit balance on your account. We do not refund in anticipation of aid posting. Refunds are not issued for students with monthly payment plans until the plan is paid in full. Refunds will go back to the originating source if a payment is made by a third party.

What if I have to withdraw from Saint Mary’s College?

SMC will refund 85% of tuition at the end of the first week of the semester, 80% at the end of the second week of the semester, and 75% at the end of the third and fourth week. There is NO tuition refund after the fourth week of the semester, however, families may purchase Tuition Refund Insurance through GradGuard for students who cannot complete classes for the semester due to a covered medical reason.

Please note: Room and board charges are refunded based on the terms in the Residence Hall and Dining Services License and financial aid disbursements will be adjusted based on the percentage of the time you attended SMC.

Do you still have questions?

Not to worry, contact the Business Office (8:30 a.m.–5 p.m. PST) at (925) 631-4209 or

Business Office Mailing Address:

1928 Saint Mary's Road
PMB 4600
Moraga, CA 94575
(925) 631-4000