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Direct Student Loans

• 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.

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 Õý°ÄÃÅÁùºÏ²Ê¿ª½±½á¹û.
3. Contact your Student Loan Servicer or Õý°ÄÃÅÁùºÏ²Ê¿ª½±½á¹û 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.

Student Access Loan Program

The 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 .
2. The student must complete the .

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 Õý°ÄÃÅÁùºÏ²Ê¿ª½±½á¹û.  Requesting a private loan and choosing a lender is completely determined by the student.  The Õý°ÄÃÅÁùºÏ²Ê¿ª½±½á¹û 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.