Georgia’s Financial Aid Programs 2014 – 2015

Georgia’s Financial Aid Programs 2014 – 2015
Representative’s Name K-12 Outreach Representative

Agenda HOPE Program Overview HOPE Scholarship Zell Miller Scholarship
HOPE Grant Zell Miller Grant Strategic Industries Workforce Development Grant HOPE GED Grant Dual Enrollment Student Access Loan Program Other State Programs Today I will be providing information on the different programs that are a part of HOPE, the Student Access Loan Program and some other state financial aid programs that are available.

HOPE Overview HOPE Program
HOPE - Helping Outstanding Pupils Educationally - is Georgia's unique scholarship and grant program that rewards students with financial assistance in degree, diploma and certificate programs at eligible Georgia public and private colleges and universities and public technical colleges. HOPE Program HOPE Scholarship Zell Miller Scholarship HOPE Grant Zell Miller Grant HOPE GED Grant Strategic Industries Workforce Development Grant (SIWDG) HOPE stands for Helping Outstanding Pupils Educationally. Since it’s inception more than 20 years ago, Georgia’s HOPE program has become a national model for merit-based student financial aid. HOPE consists of five different aid programs: the HOPE Scholarship the Zell Miller Scholarship the HOPE Grant the Zell Miller Grant and the HOPE GED Grant The Strategic Industries Workforce Development Grant (SIWDG) can provide additional aid to recipients of the HOPE Grant and the Zell Miller Grant.

September 1993 through June 2014
Giving HOPE September 1993 through June 2014 Students Amount Awarded University System 790,068 $4,824,832,744.39 Technical Colleges 948,807 $1,717,916,108.14 Private Colleges and Universities 173,529 $767,262,415.78 Totals *1,912,404 $7,310,011,268.31 NOTE: A total of 357,029 GED recipients have qualified for a HOPE GED Grant for the time period above. Of this number, 89,406 have utilized the HOPE GED Grant to attend public or private post-secondary institutions, totaling $44,567, The TOTAL FOR ALL SCHOOLS student count includes HOPE GED Grant recipients. * Students who transfer to another eligible institution are duplicated in this count. The HOPE Program has been extremely successful in helping students pay for their postsecondary education for more than 20 years. More than $7 billion have been awarded to almost 2 million students all over Georgia. These figures represent awards for the HOPE Scholarship, HOPE Grant and HOPE GED. Zell Miller Scholarship and the Strategic Industries Workforce Development Grant are not included.

Zell Miller Scholarship
The Future of HOPE HOPE Scholarship Zell Miller Scholarship Grant HOPE GED Grant SIWDG Zell Miller Grant The HOPE program is more stable now that the award amounts are tied to the amount of funding the Georgia Lottery for Education provides. The HOPE family of programs will continue to be a significant financial aid resource for Georgia students and their families.

The Future of HOPE Award amounts set each year by the Governor and the General Assembly Monitor the HOPE program award amounts to plan for college expenses Consider opening a Path2College (529) savings and investment account to save for college expenses While the funds for the HOPE program comes from the Lottery, the award amounts are set each year by the Governor and General Assembly. We encourage everyone to monitor these amounts so they can plan accordingly when it comes to saving and paying for college. We also encourage everyone to consider opening a 529 plan to help save for college. Path2College is Georgia’s 529 savings plan and has been endorsed by Clark Howard and Governor Deal.

The HOPE Program Basic Eligibility
U.S. citizen or eligible non-citizen Georgia resident Graduated from a HOPE eligible high school Graduated from a HOPE eligible home study program Attending a University System of Georgia or Technical College System of Georgia postsecondary institution Attending an eligible private non-profit postsecondary institution or an eligible private proprietary (for-profit) institution These are the basic eligibility requirements for all of the HOPE Program’s scholarships and grants.

HOPE Scholarship Eligibility 3.0 HOPE GPA Core curriculum courses
GSFC must receive a letter or numeric grade for each core course in order to calculate HOPE GPA The HOPE GPA is a calculation of CORE curriculum courses. It doesn’t matter how many core courses taken. GSFC calculates all core courses to determine a student’s HOPE GPA.

HOPE Scholarship Rigor Requirements
With the passing of House Bill 326, beginning with this year’s seniors, class of 2015, students will be required to receive credit for courses deemed academically rigorous (rigor requirements) to be eligible for the HOPE Scholarship. GSFC will provide a list of eligible courses each year to the high schools as soon as they are received from Georgia DOE. Students must take and pass the designated number of rigor classes at some point before graduating from high school.

HOPE Scholarship Rigor Requirements Advanced math Advanced science
Advanced Placement (AP) courses in core subjects International Baccalaureate (IB) courses in core subjects Dual credit courses in core subjects taken during Dual Credit Enrollment at an eligible postsecondary institution Core courses taken at eligible postsecondary institutions Advanced foreign language Rigor classes include: Advanced Math Advanced Algebra Trigonometry Math III Advanced Science Chemistry Physics Biology III A list of approved courses are available on GAcollege411.org

HOPE Scholarship Award Amounts Georgia public institutions
Portion of standard tuition Award amount chart available on GAcollege411.org Georgia private institutions Full-time student $1,910 per semester (summer, fall, spring) $1,274 per quarter (summer, fall, winter, spring) Half-time student $955 per semester (summer, fall, spring) $637 per quarter (summer, fall, winter, spring) Award amounts for public institutions is a portion of the current year’s standard tuition, up to 15 credit hours. Award amounts for private institutions depend on enrollment status and whether a school is on a semester or quarter system.

Albany State University
HOPE Scholarship Award Amount Example School Name Per Hour Rate # of Credit Hours 1 2 3 15 Albany State University $137 $274 $411 $2,055 A complete chart of participating institutions and award amounts available on GAcollege411.org. Here is an example of how the HOPE award amount looks for Albany State University. The number of hours taken, determines the HOPE Award Amount. So, simply look at the School Tuition per Credit Hour and multiply that by the number of credit hours. A complete chart of participating institutions and Award Amounts is accessible online at GAcollege411. On the homepage in the table located on the right side. There is a link for HOPE scholarship information. Scroll halfway down the page and click on the .pdf file located under the award amounts for public institutions. A number of factors actually go into calculating the HOPE Award Amount. First is the Factor Rate. The Factor Rate is determined annually by GSFC against which the previous year’s HOPE Award Rate amount is multiplied. Then there is the HOPE Award Rate. This rate is equal to the previous year’s HOPE Award Amount multiplied by the Factor Rate. Then, finally, there is the HOPE Award Amount which you see here. The HOPE Award Rate is multiplied by the number of credit hours, up to a maximum of 15 hours.

HOPE Scholarship Maintaining HOPE 3.0 GPA at checkpoints Checkpoints
End of every spring semester/quarter 30/45 attempted semester/quarter hours 60/90 attempted semester/quarter hours 90/135 attempted semester/quarter hours Students can only regain the HOPE Scholarship ONCE Students will lose their HOPE Scholarship if they do not have a 3.0 GPA at any of the following checkpoints: End of every spring semester 30 attempted semester hours 60 attempted semester hours 90 attempted semester hours Students can regain HOPE if they have a 3.0 GPA at the following checkpoints: To help explain, here are two scenarios: The first scenario: You meet the eligibility requirements for HOPE in high school and will be receiving HOPE to help pay for college. At the end of your first spring semester, which is the first checkpoint, your GPA is reviewed and you have a 3.0. You maintain your HOPE Scholarship. At the next checkpoint, either 30 attempted hours or the following spring, your GPA is reviewed and you have a 3.0. As long as you maintain that 3.0 at each and every checkpoint, you will maintain your HOPE Scholarship. The second scenario is a little more involved. At the end of your first spring semester, your GPA is reviewed and you have a 2.9 or below. You have lost your HOPE funds for the first time. Generally, things can go one of two ways: At the next checkpoint, either 30 attempted hours or the following spring, your GPA is reviewed and you still have 2.9 or below. You have not regained HOPE. Your GPA will continue to be reviewed at each of the checkpoints. Should you raise your GPA to 3.0 or higher, you will regain HOPE. OR At the next checkpoint, your GPA is reviewed and you have a 3.0. You have regained HOPE. Your GPA is reviewed at the next checkpoint, 60 hours and the following spring, your GPA is 2.9 or below. You have lost HOPE for the second time. You are no longer eligible to regain HOPE. Please keep in mind there are other scenarios that may cause you to lose or regain your funding. These are meant to give you an idea of how the checkpoints and eligibility work.

Eligibility Rigor Requirements and one of the following Designated valedictorian or salutatorian 3.7 high school GPA as calculated by GSFC in core curriculum courses AND 1200 SAT combined score (Critical Reading and Math) OR 26 ACT composite score All eligibility requirements for the Zell Miller Scholarship must be met at the time of graduation. The HOPE GPA also determines eligibility for the Zell Miller Scholarship. You must meet the In addition to the basic HOPE Scholarship eligibility and Rigor Requirements, there are two other ways a student can be eligible for the Zell Miller Scholarship: Chosen valedictorian or salutatorian. Only ONE valedictorian and one salutatorian per school. Vals and sals must meet the basic qualifications for the HOPE Scholarship which includes your core courses and a 3.0 GPA OR Have a 3.7 HOPE GPA AND Receive a 1200 combined score in Critical Reading & Math in one SAT seating OR a 26 ACT composite score

Award Amounts Georgia public institutions Full standard tuition for current academic year Georgia private institutions Full-time student $2,110 per semester (summer, fall, spring) $1,407 per quarter (fall, winter, spring, summer) Half-time student $1,055 per semester (summer, fall, spring) $704 per quarter (fall, winter, spring, summer) Award amounts for public institutions is the current year’s standard tuition, up to 15 credit hours. As with the HOPE Scholarship, award amounts for private institutions depend on enrollment status and whether a school is on a semester or quarter system.

Maintaining Zell Miller 3.3 GPA at checkpoints Checkpoints End of every spring semester/quarter 30/45 attempted semester/quarter hours 60/90 attempted semester/quarter hours 90/135 attempted semester/quarter hours Students can only regain Zell Miller ONCE May still be eligible for HOPE Scholarship Students will lose Zell Miller if they do not have a 3.3 GPA at any of the following checkpoints End of every spring semester 30 attempted semester hours 60 attempted semester hours 90 attempted semester hours Students can regain Zell Miller if they have a 3.3 GPA at the following checkpoints The same logic behind losing and regaining the HOPE Scholarship applies to the Zell Miller Scholarship. So, we can refer back to the scenarios outlined for HOPE for Zell: The first scenario: You meet the eligibility requirements for the Zell Miller Scholarship in high school and will be receiving Zell to help pay for college. At the end of your first spring semester, which is the first checkpoint, your GPA is reviewed and you have a 3.3. You maintain your Zell Miller Scholarship. At the next checkpoint, either 30 attempted hours or the following spring, your GPA is reviewed and you have a 3.3. As long as you maintain that 3.3 at each and every checkpoint, you will maintain your Zell Miller Scholarship. The second scenario again is a little more involved. At the end of your first spring semester, your GPA is reviewed and you have below a 3.3. You have lost your Zell funds for the first time. Generally, things can go one of two ways: At the next checkpoint, either 30/60/90 attempted hours, your GPA is reviewed and you still have below a 3.3. You have not regained Zell. Your GPA will continue to be reviewed at each of the checkpoints. Should you raise your GPA back to 3.3 or above, you will regain Zell. OR At the next checkpoint, your GPA is reviewed and you have a 3.3. You have regained Zell. Your GPA is reviewed at the next checkpoint, 60 hours and the following spring, your GPA is below a 3.3. You have lost Zell for the second time. You are no longer eligible to regain Zell. And, as with HOPE, there are other scenarios that may cause you to lose or regain your funding. Now the good news is that you may have lost Zell but if you meet the basic eligibility requirements for the HOPE Scholarship, you can receive or gain the HOPE Scholarship. The same checkpoints and criteria to maintain the HOPE Scholarship we discussed earlier apply in this situation as well.

HOPE & Zell Miller Scholarships
Students lose eligibility due to one of the following: GPA requirement not met (3.0 for HOPE; 3.3 for Zell Miller) Reaching maximum attempted hours 127 semester 190 quarter Failing to use funds within seven years of high school graduation or equivalent Exception for military service time Received a bachelor’s degree Received first professional degree There are a few ways students can lose their eligibility for the HOPE Scholarship and Zell Miller Scholarship: Not maintaining your GPA Reaching the maximum hours allowed Failing to use your award within seven years and receiving a bachelor’s or professional degree.

HOPE Grant Eligibility Award Amount
High school GPA and/or test scores not considered Enrolled in a certificate or diploma program High school graduation not required Award Amount Portion of the standard tuition Award amount chart available on GAcollege411.org The HOPE Grant is available for students looking to complete a certificate or diploma program from a University System of Georgia (USG) or Technical College System of Georgia (TCSG) school. In addition to the basic eligibility requirements for the HOPE Program Students must be enrolled in a certificate or diploma program But there is no GPA or test score requirements and you don’t have to have graduated from high school. The award amount is a portion of the current year’s standard tuition (up to 15 credit hours) and a complete award chart is available on GAcollege411.

HOPE Grant Maintaining HOPE Grant
2.0 GPA at checkpoints 30/60 paid semester hours 45/90 paid quarter hours Students lose eligibility due to one of the following: 2.0 GPA requirement not met Paid hours 63 semester 95 quarter Received a bachelor’s degree Legislation passed last year changes the GPA requirement to maintain the HOPE Grant from 3.0 to 2.0. So now at each checkpoint, students must have at least a 2.0 to remain eligible for the HOPE Grant. And like the HOPE Scholarship and the Zell Miller Scholarship, you may only regain the HOPE Grant once before becoming ineligible for the program.

Zell Miller Grant New for 2014 – 2015 Eligibility Award Amount
Enrolled in a certificate or diploma program High school GPA and/or test scores not considered High school graduation not required Minimum 3.5 cumulative postsecondary GPA Award Amount Standard undergraduate tuition, up to 15 hours Award for first term of enrollment will be paid retroactively if student has required 3.5 GPA The Zell Miller Grant is new for the 2014 – 2015 school year. To be eligible for the Zell Miller Grant a student must be enrolled in a certificate or diploma program at USG or TCSG. There are no high school requirements for Zell Miller Grant. Once you are enrolled in a certificate or diploma program you must maintain a minimum 3.5 cumulative GPA. The award amount is the standard undergraduate tuition, up to 15 hours. And the award is paid retroactively if you meet the minimum 3.5 GPA during your first term.

Zell Miller Grant Maintaining Zell Miller Grant
3.5 GPA checked at the end of each term Students that lose the Zell Miller Grant at the end-of-term checkpoint, may regain it if they have the required minimum 3.5 GPA at the end of the next term Students lose eligibility due to one of the following: 3.5 GPA requirement not met 63 paid or combined paid hours (HOPE Grant and Zell Miller Grant) met Joint or Dual Credit enrollment students are not eligible Zell Miller Grant recipients eligible for SIWDG To maintain the Zell Miller Grant, the student must have the 3.5 cumulative GPA at the end of each semester. If your GPA goes below 3.5, you lose the Zell Miller Grant. Students can regain the Zell Miller Grant at the end of the next term if they have the required minimum 3.5 GPA. Students can regain the Zell Miller Grant multiple times. Students lose eligibility by not meeting the GPA requirement or meeting the 63 paid or combined paid hours. Joint or Dual Credit enrollment students are not eligible for the Zell Miller Grant but they are eligible for the Strategic Industries Workforce Development Grant.

HOPE Grant vs. Zell Miller Grant
6/24/2018 HOPE Grant Zell Miller Grant Minimum 2.0 cumulative GPA Minimum 3.5 cumulative GPA Checkpoints: 30/60 paid hours Checkpoints: End of term Award Amount: Portion of tuition based on per credit hour rate, up to 15 hours Award Amount: Full standard tuition, up to 15 hours Joint or Dual Credit Enrollment students are eligible Joint or Dual Credit Enrollment students not eligible Here is a quick comparison of the HOPE Grant and Zell Miller Grant. First term paid immediately if requirements met First term is paid retroactively if student has the required 3.5 GPA Eligible for Strategic Industries Workforce Development Grant Eligible for Strategic Industries Workforce Development Grant

Strategic Industries Workforce Development Grant
HOPE Grant and Zell Miller Grant recipients eligible for SIWDG 65 certificate and diploma programs Complete list of approved programs on GAcollege411.org Joint or Dual Credit enrollment students are not eligible Awards effective Fall 2014 Enrolled Hours Award Amount 9 or more $500 per term 3 – 8 $250 per term 1 – 2 $125 per term The Strategic Industries Workforce Development Grant or SIWDG was introduced last year. Students receiving the HOPE Grant or the Zell Miller Grant may also be eligible for additional financial assistance from this program. This program was created to boost enrollment in high-demand certificate and diploma programs such as Commercial Trucking, Early Childhood Care/Education and Practical Nursing. There are now 65 approved certificate and diploma programs eligible for SIWDG The award is a fixed amount depending on the program and number of hours the student is enrolled. You can find a list of approved programs and award amounts on GAcollege411. This program is not available for dual enrollment students. Note: Commercial truck driving – enrolled 9+ hours; $1000 one-time award

HOPE GED Grant Eligibility Award Amount
Must be a Georgia resident for 12 consecutive months immediately prior to the first day of classes of the school term If not a Georgia resident on the date of the GED, must be a Georgia resident 24 consecutive months immediately prior to the first day of classes of the school term Award Amount $500 voucher Expires 24 consecutive months after receipt of award Per 2013 legislation, if a GED is awarded while the student is incarcerated, the voucher expires 24 consecutive months after release from incarceration The HOPE GED grant is available to students who earned a GED diploma from the Technical College System of Georgia. Student must be a resident for 12 consecutive months immediately prior to the first day of classes of the school term for which the HOPE GED Grant is sought. Full-time enrollment is not required. The HOPE GED Grant is a one time, $500 award that can be used toward the cost of a student’s education.

Accel & HOPE Grant for Dual Enrollment
One way students can get a jump on earning college credits is to participate in a dual enrollment program. There are two Dual Enrollment programs associated with the HOPE Program high school students can take advantage of: Accel and HOPE Grant for Dual Enrollment.

Dual Enrollment Dual Enrollment
Opportunity for students to earn credit hours toward a certificate, degree or diploma while they meet their high school graduation requirements Accel or HOPE Grant for Dual Enrollment Dual Enrollment enables students to earn college credits while they meet their high school graduation requirements.

Accel for Dual Enrollment
What is Accel for Dual Enrollment? Opportunity for students to earn credit hours toward an associate or bachelor’s degree while meeting high school graduation requirements State-appropriated funding Eligibility U.S. citizen or eligible non-citizen Georgia resident Students can be eligible in 9th grade Attending a University System of Georgia (USG), Technical College System of Georgia (TCSG) or private postsecondary institution Student must be admitted & classified as a dual credit enrollment student. Student is eligible for the Accel Program regardless of the number of credit hours for which they are enrolled. Half-Time Full-Time

Accel for Dual Enrollment
Applying for Accel List of courses found on GAcollege411.org High school counselors must approve course selection Students must be admitted into the postsecondary institution Award Amount Public: Full standard tuition for current academic year Courses taken prior to Summer 2011 Counted towards HOPE paid hours Courses taken from Fall 2011 beyond NOT counted towards HOPE paid hours Private: Hourly amount up to a maximum of $4,000 for full-time enrollment per academic year Accel does not cover books and fees. Accel Program courses taken prior to Summer 2011 were funded by the HOPE Program and were counted towards HOPE paid hours. Moving forward from Fall 2011, the Accel Program is provided through state-appropriated funds and are not counted toward HOPE paid hours. Accel tuition payment covers two semesters or three quarters while student is enrolled in high school. You will become ineligible to participate in the Accel Program after attempting 127 HOPE hours.

HOPE Grant for Dual Enrollment
What is HOPE Grant for Dual Enrollment? Opportunity for students to earn credit hours toward a certificate or diploma program while meeting high school graduation requirements Eligibility Georgia resident U.S. citizen or eligible non-citizen Attending an eligible public postsecondary institution Award Amount Portion of standard tuition Lottery-funded The HOPE Grant for Dual Enrollment is specifically for those high school students attending a TCSG school. The award amount is a portion of the standard tuition and is funded through the Georgia Lottery.

Student Access Loan and Student Access Loan - Technical
Student Access Loan Program Student Access Loan and Student Access Loan - Technical One of the loan programs administered by GSFC is the Student Access Loan Program or SAL.

Student Access Loan Programs
6/24/2018 Includes Student Access Loan (SAL) and Student Access Loan – Technical (SALT) Interest rate 1% for the life of the loan, including repayment In the event of default, interest rate reverts irrevocably to 5% Monthly Keep In Touch (KIT) payment Monthly minimum KIT payments of $10 while enrolled at least half-time (6 hours or more) and in grace period First KIT payment due approximately sixty (60) days after first disbursement date Requirement communicated through website, application, and s TCSG applicants must apply for SALT prior to consideration for SAL The Student Access Loan Program now consists of SAL – the Student Access Loan SALT – the Student Access Loan for Technical schools SALT is new this year and was created from the FY 2015 budget. SAL’s budget for FY 2015 is $19 million. SALT’s budget is $10 million. Both programs have a 1% interest rate for the life of the loan unless you default. Then the interest rate goes to 5% and remains at 5% for the life of the loan. There is a monthly Keep In Touch or KIT payment of $10 while enrolled at least half-time and during the grace period. TCSG applicants must apply for SALT before SAL. SAL and SALT are considered “gap” financing after all other financial aid options have been exhausted.

Student Access Loan Program: SAL
Application Process Students are randomly selected from the pool of applicants received during the selection cycles Loan Amounts $500 minimum; $10,000 maximum; $40,000 aggregate limit Eligible Programs Certificate, diploma and degree at an eligible postsecondary institution For SAL, students are randomly selected. The minimum award amount is $500. The maximum award amount is $10,000 annually. And a student cannot exceed $40,000. To be eligible, a student must be enrolled in an approved certificate, diploma or degree program at a USG or TCSG school.

Student Access Loan Program: SAL
Other Requirements Must meet Satisfactory Academic Progress (SAP) and residency requirements May not decline other state and federal aid or VA educational benefits May decline federal and institutional work-study Service Cancellation Options STEM teachers Public service Other requirements for SAL include: Student must meet SAP and residency requirements You may not decline other state and federal aid or VA educational benefits You may decline federal or institutional work-study aid A portion or all of your SAL loan can be forgiven for if you choose to be STEM teachers or accept a position in public service.

SAL Application and Selection Cycles
6/24/2018 Application cycle date(s) announced annually Application will be open every day during designated cycle period(s) Four random selection dates will take place during designated application cycle(s) Schools will be notified and certify the selections Schools will notify students Each year, usually in the spring, application cycle dates are announced for SAL. For the current school year the applications were accepted from mid-May to early September. Depending on funding, additional cycles may be announced. Four random selection dates take place during the designated cycle. Schools are notified which applicants have been chosen, the schools certify and then notify the student.

Student Access Loan Program: SALT
Application Process First come, first served basis during the selection cycles based on available funds Loan Amounts $300 minimum; $3,000 maximum; $12,000 aggregate limit Eligible Programs Certificate, diploma and degree at eligible postsecondary institution For SALT, the applications are chosen on a first come, first served basis. The loan amounts are Minimum $300 Maximum $3,000 annually And a limit of $12,000 As with SAL, students must be enrolled in a certificate, diploma and degree program at a USG or TCSG school.

Student Access Loan Program: SALT
Other Requirements Must meet Satisfactory Academic Progress (SAP) and residency requirements May not decline federal or state scholarships, grants or VA educational benefits May decline federal loans or federal or institutional work-study Loan Discharge Option Graduate from the program of study for which SALT was received with a cumulative GPA of 3.5 or higher Other requirements for SALT include: Student must meet SAP and residency requirements You may not decline other state and federal aid or VA educational benefits You may decline federal loans or federal or institutional work-study aid If you graduate from the program of study for which you received SALT funds with a cumulative GPA of 3.5 or higher, your SALT loan will be forgiven.

SALT Application and Selection Cycles
6/24/2018 Application cycle(s) announced annually in the spring Application will be open every day during designated cycle period SALT applications will be selected on a first come, first served basis and the time and date will be electronically recorded Schools will be notified and certify the selections Schools will notify students SALT applications are selected on a first come, first served basis. Each year, usually in the spring, application cycle dates are announced for SAL. For the current school year the applications were accepted from mid-May to early September. Depending on funding, additional cycles may be announced. Schools are notified of the chosen applicants and certify those selections. Then the school notifies the students.

SAL vs. SALT 6/24/2018 SAL SALT May not decline other state and federal aid or VA educational benefits May not decline federal or state scholarships, grants or VA educational benefits May decline federal and institutional work-study May decline federal loans or federal or institutional work-study Randomly selected First come, first served basis Loan amounts: Minimum: $500 Maximum: $10,000 Aggregate: $40,000 Loan amounts: Minimum: $300 Maximum: $3,000 Aggregate: $12,000 Here is a quick comparison of SAL and SALT. Service Cancellation Options: STEM Public Service Loan Discharge Option: Graduate from the program of study for which SALT was received with a cumulative GPA of 3.5 or higher

Other State Programs GSFC also administers several other state financial aid programs

Other State Programs Georgia Military College State Service Scholarship HERO Scholarship Public Safety Memorial Grant REACH Scholarship Scholarship for Engineering Education (SEE) Tuition Equalization Grant (TEG) University of North Georgia Military Scholarship University of North Georgia ROTC Grant University of North Georgia ROTC Grant for Future Officers More information and eligibility requirements for all of these programs can be found on GAcollege411.org.

GSFC Representative Map
We have representatives across the state. Please do not hesitate to contact any of us.

Contact Us outreach@gsfc.org 800.505.4732
You can also call our 800 number or our Outreach Services with any questions you may have.

Be Social You can follow us on Facebook, Twitter and Pinterest for all of the latest and greatest information about GAcollege411, how it can help you and how it’s helped other students and their families plan, apply and pay for college. You can also view trainings and other informational videos on You Tube.

OUR MISSION To promote and increase access to education beyond high school for Georgians. OUR VISION To be the premier provider of student financial aid and educational services for Georgians.

Georgia’s Financial Aid Programs 2014 – 2015

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