by our College Data Analytics TeamMost students will never be charged the advertised price of a school. Instead, they will be provided a financial aid package that will include a combination of scholarships, grants, loans, and work-study. The price tag of going to University of Georgia can appear overpowering, but remember that the majority of students obtain some kind of financial assistance.
What financial aid options can UGA offer you, and what will you qualify for? Keep reading for more information. Scroll down to see just how much financial aid could be open to you.
How much aid you qualify for depends largely on your family’s financial circumstances. Use the information below to understand how much financial assistance you may get from University of Georgia.
Colleges use loans, grants, scholarships and work-study to minimize what students actually pay out of pocket. However, some types of aid are more desirable than others, and some students will receive more than others.
For freshmen starting at University of Georgia, 89% of the incoming full-time class was awarded financial aid roughly 5475 freshmen).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 89% | $11,674 |
| Institutional grants & scholarships | 26% | $6,460 |
| Federal Pell grants | 14% | $5,659 |
| State/local grants | 82% | $9,647 |
| Federal student loans | 20% | $5,139 |
Because grants and scholarships do not have to be repaid, they are the most sought-after type of financial aid. Across the undergraduate body at UGA, approximately 86% of undergraduates were awarded an average grant or scholarship of $11,131 (across roughly 26969 recipients).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 86% | $11,131 |
| Federal Pell grants | 17% | $5,344 |
| Federal student loans | 20% | $6,059 |
For students living on campus and receiving title-IV aid, grants averaged $14,057.
Since aid is largely need-based, the real cost of attendance falls steeply for lower-income families.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $8,520 |
| $30,001 – $75,000 | $12,082 |
| Over $75,000 | $17,732 |
Remember these are net prices — what families pay after gift aid, not before.
Net price is the cost remaining after grant and scholarship aid is subtracted from the sticker price, and it is the most useful single number for estimating real cost.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $13,936 |
| Off-campus title-IV students | $13,816 |
To get a personalized net price estimate, try UGA’s NPC: osfa.uga.edu/sites/default/files/npcalc.htm.
A typical borrower at UGA leaves with $16,666 of federal borrowing.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $16,666 |
| Median federal debt (graduates only) | $18,500 |
| Typical 10-year monthly payment (graduates) | $196.13/mo |
Spreading the median graduate debt over a standard 10-year repayment schedule works out to roughly the monthly payment shown above.
Percentiles reveal the spread — half of all borrowers fall between the 25th and 75th percentiles. The figures below chart the debt distribution at UGA.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $4,500 |
| 25th percentile | $8,402 |
| 75th percentile | $25,500 |
| 90th percentile (highest-debt students) | $30,926 |
Median debt varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $16,250 |
| Middle income | $16,675 |
| High income | $16,750 |
By First-Generation Status
| Cohort | Median federal debt |
|---|---|
| First-generation students | $17,238 |
| Continuing-generation students | $16,000 |
By Dependency Status
| Cohort | Median federal debt |
|---|---|
| Dependent students | $16,500 |
| Independent students | $18,554 |
These indicators are derived from the underlying debt data and summarize the overall picture at UGA.
Most undergraduate borrowing runs through the federal Stafford loan program. Below is the annual Stafford program activity at UGA:
| Metric | Value |
|---|---|
| Stafford loan recipients | 72099 |
| Total Stafford loan amount | $1,888,013,817 |
Military-affiliated students can tap the Post-9/11 GI Bill and DoD Tuition Assistance.
Post-9/11 GI Bill activity
| Metric | Value |
|---|---|
| GI Bill recipients | 419 |
| Total GI Bill amount | $4,195,601 |
| Average GI Bill amount per recipient | $10,013 |
Active-duty Tuition Assistance recipients
| Metric | Value |
|---|---|
| DoD Tuition Assistance recipients | 51 |
| Total DoD amount | $115,929 |
| Average DoD amount per recipient | $2,273 |
References
More about our data sources and methodologies.