Student Access Loan (SAL)

The Student Access Loan (SAL) is a need-based, low interest loan for Georgia resident undergraduate students administered by the Georgia Student Finance Commission (GSFC). If GSFC initially approves a student’s loan application, our office will then review and certify the application if the student is determined to have sufficient unmet need. Need is derived by taking the cost of attendance and subtracting the Expected Family Contribution (EFC) and the awarded financial aid (excluding the PLUS loan).


Eligibility requirements include, but are not limited to:

  • Georgia residents who are U.S. Citizens or Eligible Noncitizens
  • Maintaining Satisfactory Academic Progress (SAP)
  • Enrolled in at least 6 eligible credit hours
  • Must first exhaust federal loans, meaning the student may not decline the federal subsidized or unsubsidized loan
  • Must have a gap in educational cost

Please see GSFC’s website for a full listing of rules and regulations:


The SAL loan maximum annual limit is $8,000. Please note the SAL loan amount cannot be increased after the application is processed. When completing the application for example, if the student requests $4,000 for a loan period of fall-spring terms, the student will be awarded $2,000 for fall and $2,000 for spring.


The application opens yearly in July. Visit GSFC’s website to apply:



Last Updated 07/23/2020