91ÁÔÆæ

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.

  • Direct Subsidized Loans: 
    • Direct Subsidized Loans are need-based loans available to undergraduate students who qualify. The amount of eligibility is based upon your unmet need calculation using the FAFSA. The U.S. Department of Education pays the interest on Direct Subsidized Loans while you are in a degree seeking program until your loan repayment period begins.
  • Direct Unsubsidized Loans:
    • Direct Unsubsidized Loans are available to undergraduate and graduate students; there is no requirement to demonstrate financial need and therefore are considered non-need based financial aid.  Unlike Subsidized loans, Unsubsidized loans accrue interest while you are in school.

Apply for a Direct Student Loan

  1. The student must complete the .
  2. The student must complete .
  3. The student must electronically sign a .
  4. 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

  1. 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.
  2. Update your address and phone number with your Student Loan Servicer and 91ÁÔÆæ.
  3. Contact your Student Loan Servicer or 91ÁÔÆæ 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

  1. The student must complete the .
  2. The parent must Apply for a .
  3. The parent must electronically sign a .
  4. If a parent obtains an endorser or submits an appeal, the parent borrower must complete .
  5. 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

  1. The graduate student must complete the .
  2. The graduate student must Apply for a .
  3. The graduate student must electronically sign a .
  4. If a graduate student obtains an endorser or submits an appeal, they must complete .
  5. 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 91ÁÔÆæ.  Requesting a private loan and choosing a lender is completely determined by the student.  The 91ÁÔÆæ 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

business.office@ung.edu 

  • 706-864-1409 (Dahlonega & Cumming)
  • 678-717-3780 (Gainesville & Oconee)

More Contact Info

Financial Aid 

finaid@ung.edu

  • (706)864-1412

More Contact Info

Scholarships

scholarships@ung.edu

  • 706-867-2991

More Contact Info