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Review Your Financial Aid Offer

Once the Financial Aid Offer is available you will receive an email confirmation that includes a link to the Financial Aid Offer letter. Below you will find an example and description of the offer letter. 

Image of the financial aid offer letter

Estimated Student Aid Funds

Grants and scholarships are offers that do not have to be repaid. The amount listed is based upon full time enrollment (12+ hours). If you are enrolled for less than full time, the offer will adjust to the eligible amount on your invoice.

Estimated Cost of Attendance

The estimated direct costs are those costs paid directly to the university and billed through your UNG student account in the Bursar’s Office. Your direct costs will vary depending on things such as whether you are full or part-time, or if you have coursework that includes a lab fee, etc.

What other estimated costs should I prepare for?

Estimated costs include other expenses to attend UNG for the semester(s) listed, not just expenses paid directly to UNG. This includes estimated cost related to books and supplies, room and board, personal expenses, transportation expenses, etc. Note: Room and board will be paid directly to the University if you are living in on-campus housing.

Options to Pay

You may pay your remaining Direct Costs through payments to the Bursar's Office or make monthly payments by signing up for the payment plan. Loans are always optional and offered to you to assist in meeting your costs. If you wish to borrow loans, you must accept them in Banner and complete a Master Promissory Note and Entrance Counseling on

To Accept Loans, Work Study, or ROTC Grant Offer in Banner

After you receive your offer notice and have become familiar with your financial aid offer, what should you do next?  If you are offered any grant or scholarship money – (which does not need to be repaid, i.e., HOPE, Pell, etc.), these funds do not require acceptance on your part.  If you have been offered student loans, you may accept, decline or reduce the amount of loan you wish to receive or not receive.

To Accept Loans in Banner

  1. Log into Banner using your UNG user ID and password
  2. Select the “Financial Aid” tab
  3. Select “Award“
  4. Select “Award for Aid Year”
  5. Select Aid Year from drop down box.
  6. Select "Accept Award Offer" to accept, adjust or decline your Financial Aid Offer

Rights and Responsibilities of Accepting Financial Aid

Accepting financial aid entails certain rights and responsibilities. When you are offered financial aid, it is critical that you read and understand the Financial Aid Policies. We strongly encourage you to learn as much as you can about the aid you are accepting and to know in advance what is expected of you in terms of your enrollment and academic progress.

Important Information that Can Affect Your Offer

  • If you qualify for a Pell Grant, the offer amount listed is for full-time enrollment. If you are enrolled in less than 12 semester hours, your Pell Grant amount will be prorated.
  • For any Direct Loan or Federal Work-Study offers, you MUST make a choice to accept, decline, or reduce each offer on the "Accept Award Offer" tab. Students must be enrolled at least half-time (6 hours) to receive a Direct Loan.
  • If you qualify for a HOPE or Zell Miller Scholarship, the offer amount listed is the maximum offer for 15 or more semester hours. The HOPE or Zell Miller Scholarship will be adjusted to the actual number of hours in which you enroll. For details, review the payment schedules for Georgia's Financial Aid Programs.
  • Your financial aid offer may be adjusted if additional information is received which affects your eligibility. If you withdraw from one or more classes, withdraw from the university, or stop attending your classes, you may be required to repay a portion of your financial aid.
  • You must abide by the Financial Aid Standards of Satisfactory Academic Progress to continue receiving financial aid. Please review the UNG Satisfactory Academic Progress Policy.
  • The UNG Financial Aid Awarding Policy is used to create your offer. If you have questions, please contact us.

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