Student Loan Information

Your Student Loans

Fort Valley State University participates in several different loan options.  Federal Direct Loans are administered through the Department of Education, Student Access Loans are administered through the State of Georgia and we have Private loans with multiple different lenders. Click on videos and links below for more information.

Federal Direct Loans

All students that are borrowing for the first time, are required to complete Entrance Counseling and sign a Master Promissory Note.

Loan Limits

Grade Level Subsidized Loan* Additional Unsubsidized Loan** Total Annual Loan
Freshman (0-29 credit hours) $3,500 $2,000 $5,500
Sophomore (30-59 credit hours) $4,500 $2,000 $6,500
Junior/Senior (60+ credit hours) $5,500 $2,000 $7,500
Grade Level Subsidized Loan* Additional Unsubsidized Loan** Total Annual Loan
Freshman (0-29 credit hours) $3,500 $6,000 $9,500
Sophomore (30-59 credit hours) $4,500 $6,000 $10,500
Junior/Senior (60+ credit hours) $5,500 $7,000 $12,500
GRADUATE & Professional
Grade Level Subsidized Loan* Additional Unsubsidized Loan** Total Annual Loan
All years N/A $20,500 $20,500

*Subsidized: A Subsidized loan is a need-based loan. Additionally, if a student receives a Subsidized Loan to attend Fort Valley State University, the federal government pays the interest on the loan when you are: 1) attending school at least half time (6 credit hours); 2) qualifying for an authorized deferment; or 3) in the grace period before beginning repayment.

**Unsubsidized: An Unsubsidized loan is not need based and a student who received an Unsubsidized Loan to attend Fort Valley State University is responsible for paying the interest while in school. A student may choose to pay this interest while attending school or choose not to make the interest payments while in school; the interest will be added or capitalized onto the principal balance at repayment.

Direct PLUS Loan: Are federal loans that graduate or professional students and parents of dependent undergraduate students can use to help pay for college. A Direct PLUS Loan is commonly referred to as a parent PLUS loan when made to a parent, and as a grad PLUS loan when made to a gradate or professional student.

You’ll find the online application for Direct PLUS Loans on

Here’s a quick overview of Direct PLUS Loans:

  • The U.S. Department of Education is your lender.
  • You must not have an adverse credit history. A credit check will be conducted. If you have an adverse credit history, you may still be able to receive a PLUS loan if you meet additional requirements.
  • The maximum PLUS loan amount you can receive is the cost of attendance (determined by the school) minus any other financial aid received.

Learn more about parent PLUS loans.

Learn more about grad PLUS loans.

Disbursement Dates

The chart below provides the scheduled disbursement dates for each term. Refunds are processed 7 to 14 days after the disbursement dates.

Fall 2019 Spring 2020 Summer 2020
September 6, 2019 February 1, 2020 June 14, 2020

Student Access Loans

The SAL is offered by the Georgia Student Finance Authority (GSFA) for eligible Georgia residents attending an eligible institution.  The SAL is a one (1) percent fixed rate loan, designed to assist undergraduate and technical college students who have a gap in meeting their educational costs. Learn more about this program at:

In addition to the eligibility requirements from Georgia Student Finance Authority, Fort Valley State University has developed additional eligibility requirements. The following requirements are effective July 1, 2019, or for any Student Access Loan intended for Fall 2019, Spring 2020, or Summer 2020.

SAL Eligibility

A student must:

  • Have a minimum of a 3.0 GPA (undergraduate or graduate); and
  • Be in satisfactory status for Satisfactory Academic Progress (cannot be on warning, probation or suspension status); and
  • Not be in default on a federal student loan; and
  • Not have reached the Pell Lifetime Eligibility of 600%; and
  • Not have borrowed the aggregate Federal Loan Limits of $31,000 (dependent undergraduate), $57,500 (independent undergraduate) or $138,500 (graduate); and
  • Not have been flagged by the Department of Education on the FAFSA with an Usual Enrollment History Flag, even if the flags were resolved to receive federal student aid; and
  • Must be taking coursework required toward the completion of the official degree of record; and
  • Student must complete FVSU Get Counseling Session titled Student Access Loan and submit certificate; and
  • Student must have completed the FVSU Get Counseling Sessions titled Money Management and submit Certificate.

If a student is not meeting all of the above listed requirements, Fort Valley State University will not process a SAL for a student enrolled at the institution, unless the student has previously received a SAL loan at FVSU and has kept current with all Keep In Touch (KIT) payments required by GSFA since using the SAL loan (either at FVSU or other institutions).

Private Loans

Find private loan options here.



Borrow wisely! It is our goal to assist students with smart borrowing.  There are several tools a student can use to assist with making the right decisions, knowing the right loans to borrow and how much your loans will cost when you complete your degree.

Know More, Borrow Less

In the Fall of 2018, University System of Georgia Chancellor, Steve Wrigley, launched an initiative to ensure students are aware of their student loan debt.  The KMBL initiative supports the USG’s three primary objectives:  graduate more students, be more affordable, and be more efficient.  This initiative is designed to reduce barriers to aid, improve students’ understanding of borrowing, and reduce student debt.

To support this initiative, a “debt letter” will be electronically sent in a mobile-friendly format to every enrolled student who currently has student loan debt resulting from federal or state loan programs, or private lender borrowing.

Students will receive an email providing them a link to a personalized letter containing specific information on monthly payments based on their current loan amounts.  Each academic year, students will receive a debt letter, updating them on their cumulative student loan debt. The Office of Financial Aid will have analytics to review the open rate of these messages to ensure students are receiving the information.

This notification will be sent to students every spring that they are enrolled at FVSU.

Time to Graduate?!?! Make sure you complete your Exit Counseling. More information about Exit Counseling can be found here.