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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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