Loans
Direct Student Loans
Apply for a Direct Student Loan
- The student must complete the .
- The student must complete .
- The student must electronically sign a .
- The student may request an adjustment to their Loan by emailing their financial aid counselor.
Borrowing Loans and Repayment
Before getting any student loan, it is important to understand that loans require repayment. To review important concepts, tips and recommendations for repaying your student loans, please visit the site.
Once loan repayment begins, non-fulfillment of the loan requirements could result in default. For more information on loan default, please visit the site.
The best policy for loans is to borrow only what you need to achieve your academic goals. can help you estimate monthly student loan payments and choose a loan repayment option that best meets your needs and goals.
Maintain Your Direct Student Loan Debt
- Review your student loan debt at . 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.
- Update your address and phone number with your Student Loan Servicer and ǧÃŬAV.
- Contact your Student Loan Servicer or ǧÃŬAV if you are experiencing problems repaying your 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
- The student must complete the .
- The parent must Apply for a .
- The parent must electronically sign a .
- If a parent obtains an endorser or submits an appeal, the parent borrower must complete .
- The student may request an adjustment to the Parent PLUS Loan by emailing their financial aid counselor.
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
- The graduate student must complete the .
- The graduate student must Apply for a .
- The graduate student must electronically sign a .
- If a graduate student obtains an endorser or submits an appeal, they must complete .
- The graduate student may request an adjustment to their Loan by emailing their financial aid counselor.
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 ǧÃŬAV. Requesting a private loan and choosing a lender is completely determined by the student. The ǧÃŬAV Financial Aid Office will not assist with the choice of a lender.
Institutional Loans
Applying
Applications for institutional loans, such as the Brown Loan, are made and approved by the Office of Financial Aid. For more information on the availability and disbursement of these loans call 706-864-1412.
Repayment
Billing and repayment of institutional loans begin six months after a student leaves school. Payment for Brown or Garrett Loans may be made by check, money order or cash at the Business Office or mailed to:
University of North Georgia
82 College Circle
Dahlonega, Georgia 30597
Attn: Student Loan Accounts
Perkins Loans
Repayment
Billing and repayment of the Perkins loans begin nine months after a student leaves school and is processed through Campus Partners, a leading provider of education loan servicing. Visit to learn more about them or call toll-free at 1-800-607-4492.
Need Help?
Tuition & Payments
- 706-864-1409 (Dahlonega & Cumming)
- 678-717-3780 (Gainesville & Oconee)