Slee Hall at night.


Phone: 716-645-8232
Fax: 716-645-6566


Mailing Address

  • 115 A Porter Quad, Buffalo, NY 14261-0051

Phone Hours

  • M - Th: 9 am - 4 pm
  • F: 10:30 am - 4 pm

Office Hours

  • North Campus
    Porter Quad, Building 2
    • M - Th: 8:30 am - 5 pm
    • F: 10:30 am - 5 pm

    Student Response Center (SRC)
    232 Capen Hall
    • M - F: 8:30 am - 4:30 pm

  • South Campus
    104 Harriman Hall
    • M, W, Th: 8:30 am - 5 pm
    • Tu: 10 am - 5 pm
    • F: 11 am - 5 pm

Financial Literacy Program

The University at Buffalo’s Financial Literacy Program is designed to help students understand the basics of money management.

How to Pay for College

Affording college may seem overwhelming at first. Learning the basic steps can help make the process easier.

SUNY Smart Track

SUNY Smart Track is an online financial education program used to educate students on the basics of personal finance. You can take informative courses or read helpful blog posts on a number of topics that will help you with your finances.

SUNY Smart Track

Individual courses cover the following topics:

Register at

  1. Select "Buffalo, University at" from the campus list
  2. Create a Username and Password
  3. Enter personal identification details (Name, Date of Birth, etc.)
  4. Enter your person number in the Student ID field and select "How did you hear about SUNY Smart Track"
  5. You will receive a registration confirmation email. You must click on the link provided in the email to finalize registration.


College is the perfect time to start thinking about credit. This may be the first time you have borrowed loans, or opened a credit card. It may be the first time you have lived alone and been responsible for your own expenses. If you take the time to responsibly build and maintain good credit now you will have a bright financial future.

Knowing what is included in your credit report and your credit score are essential to planning for your financial future. You can obtain your credit report for free once a year at Annual Credit

Credit Score

It is now easier than ever to check your credit score. Many banks and credit card companies are providing FICO scores to their customers with their monthly statements. Check with your bank to see if this is available to you.

The most common credit score used is called a FICO Score. Your FICO score can range from 300-850 and is comprised of five categories.

FICO Credit Score

Credit Report

Credit reports will include:

Money Saving Resources

Visit the following websites or download one of the apps for your phone to help you maintain a good financial situation.


Annual Credit Obtain your credit report once a year for free.

Federal Trade Commission: Obtain consumer information regarding identity theft, what to do if you are a victim and ways to protect your personal information.

Have I Been Pwned?: A free resource for anyone to quickly assess of they may have been put at risk due to an online account having been compromised, or "pwned" in a data breach.

Hip2Save: Daily posts of money saving coupons and sales.

Mint: See all of your balances and transactions together in one place. (Also available as an app for iOS and Android).


BerryCart: Offers coupons and cash back offers on many organic, gluten-free, non-GMO, Vegan or Kosher grocery purchases.

Cartwheel: Offers money saving coupons at Target stores. Scan the barcode of the item that you wish to purchase and the app will let you know if there is an available coupon.

GasBuddy: View up-to-date gas prices in your area to avoid overpaying.

LevelMoney: Helps you budget by calculating your income compared to expenses. The app will let you know what your daily spendable allowance is per day, week and month.

Spendee: Gives you intelligent data to make the most of your money.

Information is subject to change without notice due to changes in federal, state and/or institutional rules and regulations. Students must complete a FAFSA every year. Students must be making satisfactory academic progress to continue to receive financial aid.

Last updated: October 28, 2016 11:00 am EST