Federal Direct Student Loan Program

NGTC no longer participates in the Federal Direct Student Loan Program. This does not mean that NGTC does not participate in the Federal Pell Grant Program or Federal Supplemental Education Opportunity Grant Program. This change only applies to Federal Direct Student Loans. NGTC participates in Georgia Student Finance’s Student Access Loan Program(SAL). For more information regarding SAL Loans, please see below.

Student Access Loan Program (SAL)

Update as of December 2023: The SAL program is no longer accepting applications for the 2023-2024 year. If the SAL application reopens during the year, please visit for more information.


The Student Access Loan Program (SAL) is a need-based, low-interest loan program available to qualified Georgia residents who are enrolled in a certificate, diploma, or degree program. SAL is intended to help cover the gap in tuition costs, fees, and books. Students must be enrolled in at least 6 credit hours in their program of study and meet all other eligibility requirements to receive SAL. To apply, a student must complete the FAFSA and the SAL Application available at

SAL Loan Forgiveness is available to qualified students who graduate from his/her program of study with at least a 3.5 cumulative grade point average. For more information, students are encouraged to visit

Private Loans

Private student loans are different from federal student loans in that they are not guaranteed by the Federal government, require a credit check, and often require a co-signer. Terms and conditions vary significantly by lender. Carefully consider your needs, and select a loan product that best meets your individual situation.

The following list of private loan products offers a variety of loan options with competitive interest rates. Students, however, are free to borrow from any lender, even if they are not listed here. North Georgia Technical College does not endorse or support any specific lender or student loan program/product.

If you choose a loan option that is not listed, please contact the lender directly to determine the application process.

Maintain your Direct Student Loan Debt


  1. Review your student loan debt at All Federal Title IV loans received by students and/or parents are reported to the National Student Loan Data System (NSLDS).
  2. Update your address and phone number with NGTC and your loan servicer(s).
  3. Contact your Student Loan Servicer or NGTC as soon as possible, if you are experiencing problems repaying your loans.
  4. View NGTC’s most current Cohort Default rate


Still Have Questions about your Financial Aid Awards?

If you have questions about your FAFSA or your Financial Aid Awards, please contact your Financial Aid Advisor listed under the header ‘Financial Aid Office’ on this page or email 

Please be advised that during high volume times, email is the fastest form of communication with Financial Aid Advisors.

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