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Nighthawk Emergency Loan Program

Eligibility Requirements

  • Must be a University of North Georgia (UNG) student, at least 18 years of age
  • Must be enrolled in the current semester
  • Must not have outstanding financial obligations to the university
  • Must demonstrate financial need
  • Must demonstrate the ability to repay the loan and administrative fee
  • Must have a minimum 2.0 cumulative GPA

Terms and Conditions

  • Students may apply for one (1) loan per semester.
  • $500 is the maximum level of consideration for fall and spring semesters.
  • $150 is the maximum level of consideration for the summer semester.
  • The repayment period for any loan may not exceed six months.
  • Each SMMC loan is subject to a one-time administration fee of 10% of the principal amount.
  • Five to seven business days are required to process a loan from application to disbursement.
  • SMMC loans may not be used for current tuition, on-campus housing, prior balances, or study abroad payment.
  • A signed loan agreement is required to be on file before disbursement of loan will be authorized.
  • Accounts in late status (30 days past the due date) will be assessed a $25 late penalty fee.
  • Should a loan become late the applicant is ineligible to apply for another SMMC loan for twelve months beginning from date of payment.
  • Accounts in default status (more than 60 days past the due date) may be sent to a collections agency. Should the account be assigned to collections the student's credit will be negatively impacted.
  • Transcript and registration blocks will be applied to late and default accounts.

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