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A Salem State graduate poses with a family member

Parents and Families

Whether it's a new applicant or someone currently enrolled, students are responsible for regularly checking their to-do list inside the student portal, Navigator.

Parent/Family Resources

Shop the Salem State bookstore online.

(ISBN numbers should match when looking for books)

Generally, these are out-of-pocket costs and vary greatly depending on major/program of study. Please see the link above for a list of options at our bookstore.

The ClipperCard is our official identification card that gives you access to resources on and off campus. A student would use their ClipperCard for things such as meal plans if they are eligible, their residence halls, the library, and our parking garage. For more information, please visit the ClipperCard page. 

The cost of attendance (COA) is not the bill that you may get from Salem State University; it is the total amount it will cost you to go to college each year and includes tuition and fees; on-campus room and board (or a housing and food allowance for off-campus students);  allowances for books, supplies, transportation, loan fees, and, if applicable, dependent care. It can also include other expenses like an allowance for the rental or purchase of a personal computer, costs related to a disability, or costs for eligible study-abroad programs.

Cost of Attendance

For students who are interested in looking into private loans, they are welcome to visit Elm Select to research the best one for them. Please evaluate the details of any loan and review our suggested questions to ask lenders.

Note: Applications for this loan should be done within 30 days of the start of fall semester and should cover the entire academic year.

FERPA is the law that protects the privacy of a student’s educational records regardless of age or who is paying the bill. If the student would like to give their parent or guardian access to their educational records, the student must elect to waive their rights to FERPA by submitting a waiver in Navigator.

Please note: If the student does not complete the FERPA Waiver, parents and guardians will not be able to obtain or access any specific information about the student.

Learn more about FERPA

Verification is a federally mandated process whereby the university, the college financial aid administrator will ask the applicant to supply copies of documentation, such as income tax returns, W-2 statements and 1099 forms, to verify the data that was submitted on the Free Application for Federal Student Aid (FAFSA).

Verification is intended to improve the accuracy of the information submitted on the FAFSA. Financial aid administrators have the right to ask for any documentation they feel is necessary to complete verification. If the family refuses to supply this documentation, the college is prohibited from disbursing federal student aid to the student.

The FAFSA is available starting October 1.

What is Financial Aid? 

Financial aid will help you with your educational expenses. It comes in two basic types – gift aid that is given to a student without obligation and self-help that is either loans to be paid back or a work grant to be earned. Awards might be based on any combination of factors including your grades, your need, your talents or your circumstances and can come from several sources including our federal and state government and our own institution.


All eligible students who choose to bring a car to campus must purchase a parking pass online through their Navigator account. At the time of your online purchase, you will receive a temporary parking pass that is valid for 10 days while you wait to receive your parking decal in the mail. Freshmen are not eligible to park on campus with the exception of commuters. For more information please visit the parking page.

Based on the State of Massachusetts guidelines, students are required to have health insurance. If a student has their own, they are welcome to waive out of the school’s health insurance through their Navigator account. Please check the Health Insurance page for more information.

Health Services Portal

Students are encouraged to monitor their health services portal, which can be accessed through Navigator. If counseling and health services is requesting any immunization records, students can see exactly what is needed in this portal.

Parents can apply for a loan on behalf of their student by going to If a parent gets approved, they must remember to go back and complete the Master Promissory Note so the school can be notified of the approval. If a parent is declined the parent plus loan, the student's federal unsubsidized direct loan will automatically increase.

First and second year undergraduates receive an additional $4,000 unsubsidized for the year ($2,000 per semester) 

Third year and beyond receive an additional $5,000 unsubsidized for the year ($2,500 per semester)

Note: Applications for this loan should be done within 30 days of the start of fall semester and should cover the entire academic year.

You can pay your out-of-pocket costs with a 5-month payment plan through TouchNet. The payments are interest free, but you will be charged a $40, non-refundable enrollment fee each semester. Payments must be made on the first of each month and begin in August for fall semester and January for spring semester.

Students should log into Navigator to enroll in a payment plan. Authorized users only (those who have been granted online access by their student) should log into TouchNet with their credentials.

All students are billed depending on what type of classes they register for (day vs evening) and whether they are in-state or out of state. We bill per semester and expect students to regularly review their accounts. All students must pay their bill by dates below:

  • Fall bills are due the second Wednesday in August
  • Spring bills are due the second Wednesday in January
  • Summer I bills are due May 25
  • Summer II bills are due July 25

For more information please visit the tuition and fees page. 

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