Money Management

General SMMC FAQs

What are the costs for SMMC services?


With the exception of nominal service fees associated with the loan programs, there are no additional costs to students for the Center's services. Our office is funded through the Student Service Fees that students pay each semester, which allows the Center to offer its services and consultations at no additional cost to students.

What is the SMMC policy on confidentiality?



The SMMC is dedicated to upholding the students' right to confidentiality. The issue of confidentiality is especially important in the personal consultations - where personal financial information is discussed. None of the information provided to the SMMC staff will ever be shared with any other member of the UNT or outside community unless express permission is granted. We encourage students to become more comfortable speaking about their financial health, and confidentiality creates a safe and comfortable environment for students.

Why is the SMMC needed at UNT?


Studies all over the country have shown that college students are coming into college with high debt levels and then increasing their debts even more throughout their higher education–not including student loans! With this information and the growing awareness of the need for financial literacy, the Division of Student Affairs has created the Center to provide students with the opportunity to strengthen and broaden their money management knowledge and skills.


What services are offered?


The Center offers students unlimited personal consultations, workshops, seminars, and presentations, online resources, and two loan programs.

The personal consultations are confidential sessions between students and SMMC professional and peer counselors. A consultation targets specific needs and creates a personalized action plan for financial success. Students can schedule a consultation by calling the Center at 940.369.7761 or by completing the online registration form on this webpage.

The workshops, seminars, and presentations cover a variety of financial issues affecting college students of any age and life situation. The workshops are targeted to particular topics, allowing the SMMC staff and their campus partners to disseminate information to larger groups and to begin a dialogue about critical money management and life issues.  Students can stay informed on personal financial and money management issues by visiting the Center's website. They can download worksheets, articles, schedule a personal consultation, and view a calendar of workshops and educational events.

The Memorial Loan and Green Loan programs helps eligible students who are facing unanticipated financial expenses that are threatening their enrollment. Only Denton- and Dallas-campus students are eligible to apply for these loan programs.



What if I am in a relationship? Can you meet with my significant other?


The SMMC staff encourages students sharing financial responsibilities with anyone in their lives to bring their roommates, partners, spouses, or any relevant person to the personal consultation session. Many friendships and relationships have been negatively impacted by the lack of shared financial values, habits, and communication. The SMMC promotes proactive communication, understanding, and adaptation in relationships where financial matters matter.


Will you help me throughout my college career?


The SMMC is committed to partnering with students from the moment they begin their college experience to graduation and beyond. We have many different programs tailored to the varying experiences and needs of students throughout their college careers. The needs of both traditional and non-traditional students are important, and the SMMC will tailor its programs and consultations to these diverse situations.


Can you give me investment advice? p id="ganswer" class="answer">

The SMMC does not give investment advice to students. Since our primary focus is to improve the financial literacy of UNT students, we target our efforts to money management and not financial planning. We do have materials explaining investment and retirement concepts for students to educate themselves, but actual advice is beyond the scope of this office's mission.


When is the SMMC available to help me?


The Center is open between 8:30am-5:30pm Monday through Friday. Staff members will schedule before- or after-hours consultations, workshops, and presentations to accommodate alternative schedules. Walk-in appointment are available with hours varying each semester. Please contact the Center at 940.369.7761 to schedule a consultation or for more information.