Allied Health Loans

You may take advantage of student loans to help pay for university tuition, books, and living expenses.

Undergraduate Federal Direct Loans

Federal Direct Loans are low-interest loans available to degree-seeking students enrolled at least half time. The lender is the US Department of Education, authorized under the William D. Ford Federal Direct Loan program. An origination fee will be deducted from each disbursement by the US Department of Education. Federal Stafford Loans may be subsidized or unsubsidized, depending upon your eligibility for need-based aid.

Subsidized loans require demonstration of financial need as determined by the information on the FAFSA. You do not pay interest on the loan if you continue to be enrolled at least half time. Once you graduate or withdraw, payments and interest begin to accrue after a six-month grace period.

Federal Direct Parent PLUS Loans

Direct Parent Loans for Undergraduate Students (PLUS) are loans made to creditworthy biological, adoptive, or stepparents of eligible dependent undergraduate students who are enrolled at least half time.

The lender is the US Department of Education, authorized under the William D. Ford Federal Direct Loan program. An origination fee will be deducted from each disbursement by the US Department of Education.

Georgia Student Access Loan

The Student Access Loan is primarily for students who need assistance securing additional funds to pay for their education expenses. The low-interest loan is available to undergraduate Georgia residents only, is managed by the Georgia Student Finance Commission (GSFC), and is not based on need.

Applicants are processed on a first-come, first-served basis, with maximum loan amount determined by funding levels and state appropriations. The student must have graduated from an eligible Georgia high school and meet the GA HOPE residency requirements. Student must also be a US citizen or eligible non-citizen and be enrolled at least half time.

Private Loan Programs

Private educational loans may be an important funding source for students who need more loan funds than the federal programs can provide. However, maximum federal loan eligibility should be used before a private loan is considered. Students must be enrolled in a degree-seeking program to apply for a private educational loan. Terms of private loans vary significantly and require a credit check and/or debt-to-income ratio check on the borrower and/or co-borrower. A co-borrower may be required; lower interest rates may be available to students who choose to have a co-borrower.

Private Loan Lender List

In an effort to assist students and families in choosing a lender, the Office of Financial Aid has compiled a comparison list of lenders who have provided loans to Emory University students during the past three years.

Applicant Self-Certification Form

The US Congress mandated that private loan lenders collect a self-certification form before disbursing a private educational loan. The Applicant Self-Certification Form contains both the form and the instructions on where to locate the required financial aid information for Section 2. The form must be returned to the lender and should not be submitted to the Office of Financial Aid

Our Operating Principles

At the Office of Financial Aid, we are committed to ensuring compliance with federal, state, and university guidelines, and we work hard to provide exceptional customer service to families seeking financial aid assistance. We understand that our role is one of a trusted adviser, and we approach our professional duties with the highest ethical standards.

Learn more about our Operating Principles for Student Loan Provider Relationships

Allied Health Tuition Loan

This institutionally funded low-interest loan is offered on the basis of demonstrated need as reported on the FAFSA. The current interest rate for the Allied Health Tuition loan is 4.22 percent.