Choosing a Lender
Students are encouraged to shop around to find the lender offering the rates, terms, and service that are right for them. ELMSelect is an external website that allows students to review the list of lenders at specific schools, compare products, and apply for private loans. The list of lenders for UGA is comprised of lenders used by UGA students in the past. UGA does not endorse or recommend any specific private education loan company. The Office of Student Financial Aid (OSFA) at UGA will honor requests to certify alternative educational loans from any lender, including those that do not appear on ELMSelect.
Students can also conduct an internet search for private student loans. Because lenders determine their own terms, we strongly recommend comparing the following before applying:
- Application process and eligibility requirements
- Interest rates (fixed vs. variable) and rate ranges
- Repayment options and term lengths
- Fees (e.g., origination, late, or prepayment penalties)
Important Note (Continuing Education Programs)
OSFA does not certify private education loans for students enrolled solely in continuing education programs through the University of Georgia Center for Continuing Education (opens in a new tab). For guidance about their private loan certification process, continuing education program students should contact:
Kiel Norris, Associate Director
Continuing Education Conference & Hospitality Services
Georgia Center for Continuing Education
[email protected]
(706) 542‑6663
Please review the University of Georgia Student Loan Code of Conduct for more information.