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The Student Access Loan has been discontinued starting with the 2024-25 academic year.


The State of Georgia Student Access Loan (SAL) Program is a need-based, low interest loan program administered by the Georgia Student Finance Commission (GSFC).

Students must first apply for and have exhausted ALL other federal and state student financial aid scholarship, and grant options (including Federal Direct Unsubsidized Loans).


Students must complete the Free Application for Federal Student Aid (FAFSA) process. Also see additional program information and application instructions from the Website.

If GSFC initially approves a student’s SAL application, GSFC electronically transmits that information to the UGA Office of Student Financial Aid (OSFA). OSFA must then determine if the student still has sufficient Unmet Need by subtracting his or her Estimated Financial Assistance (EFA), excluding any awarded Federal Work-Study or Federal Parent PLUS Loans, from his or her Estimated Financial Need (EFN).  OSFA must also confirm the student is a Georgia Resident, a U.S. Citizen or Eligible Noncitizen, and is maintaining Satisfactory Academic Progress (SAP).

OSFA then provides their findings to GSFC. If the student remained eligible for the SAL, GSFC then electronically transmits the student’s SAL funds to UGA Student Accounts, which then notifies OSFA so OSFA can then disburse the funds to the student’s UGA account.

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