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Loans

Direct Student Loans

Direct Student Loans are low-interest loans for students to help pay for the cost of education after high school. The lender is the U.S. Department of Education rather than a bank or other financial institution.

Apply for a Direct Student Loan

  1. The student must complete the FAFSA.
  2. The student must complete Direct Loan Entrance Counseling.
  3. The student must electronically sign a Master Promissory Note.
  4. The student may request an adjustment to their Loan by completing the Direct Student Loan Increase/Decrease Request Form (Login Required). Direct Loan - 1718.

How much can I afford?

Before getting a student loan, determine how much you can afford to borrow using these helpful links.

  1. Debt Wizard
  2. Direct Loan Repayment Calculator
  3. Student Loan Repayment Chart

Maintain Your Direct Student Loan Debt

  1. Review your student loan debt at www.nslds.ed.gov. All Title IV loans received by students and/or parents are reported to the National Student Loan Data System (NSLDS). The information is accessible by guaranty agencies, lenders and institutions determined to be authorized users of the data system.
  2. Update your address and phone number with your Student Loan Servicer and UNG.
  3. Contact your Student Loan Servicer or UNG if you are experiencing problems repaying your loans.

Parent PLUS Direct Loans

Parent PLUS Direct Loans are unsubsidized loans for the parents of dependent students to help pay for education expenses up to the cost of attendance minus all other financial aid assistance. Financial need is not an eligibility requirement. However, the borrower must not have an adverse credit history. The lender is the U.S. Department of Education rather than a bank or other financial institution.

Apply for a Direct Parent PLUS Loan

  1. The student must complete the FAFSA.
  2. The parent must Apply for a PLUS Loan.
  3. The parent must electronically sign a Master Promissory Note.
  4. If a parent obtains an endorser or submits an appeal, the parent borrower must complete PLUS Loan Entrance Counseling.
  5. The student may request an adjustment to the Parent PLUS Loan by completing the Parent/GRAD PLUS Loan Increase Request Form (Login Required). The parent will be contacted for approval. Plus Loan - 1718.

Inquiries should be directed to Erin.Parrish@ung.edu.

Graduate PLUS Direct Loans

Graduate PLUS Direct Loans are unsubsidized loans for the graduate/professional student to help pay for education expenses up to the cost of attendance minus all other financial aid assistance. Financial need is not an eligibility requirement. However, the borrower must not have an adverse credit history. The lender is the U.S. Department of Education rather than a bank or other financial institution.

Apply for a Graduate PLUS Loan

  1. The graduate student must complete the FAFSA.
  2. The graduate student must Apply for a PLUS Loan.
  3. The graduate student must electronically sign a Master Promissory Note.
  4. If a graduate student obtains an endorser or submits an appeal, they must complete PLUS Loan Entrance Counseling.
  5. The graduate student may request an adjustment to their Loan by completing the Parent/GRAD PLUS Loan Increase Request Form (Login Required). Plus Loan - 1718.

Inquiries should be directed to Erin.Parrish@ung.edu.

Student Access Loan Program

The Student Access Loan Program from the Georgia Student Finance Authority is designed to be funding of last resort for college students who have a gap in their college financing.  Students must have applied for other student financial aid including federal and state student loans, parent PLUS loans, scholarships and grants.

Apply for a Student Access Loan

  1. The student must complete the FAFSA.
  2. The student must complete the Student Access Loan Application.

Private Loans

Private Loans are often used to supplement federal student loans, when federal loans are not sufficient to cover the full cost of education.  Private Loans are generally more expensive when entering repayment.  Before pursuing a private loan, please check with your Financial Aid Counselor to determine if you have exhausted all other Financial Aid funding options.  Be aware that private loan proceeds along with your total financial resources cannot exceed your cost of attendance, as determined by UNG.  Requesting a private loan and choosing a lender is completely determined by the student.  The UNG Financial Aid Office will not assist with the choice of a lender.

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