by our College Data Analytics TeamA lot of students are not billed the full, advertised sticker price of a school. Instead, they will be given a financial aid offer that will include a combination of scholarships, grants, loans, and work-study. The sum total of attendance at University of North Georgia can sound overpowering, but remember that the majority of students get some type of financial assistance.
What financial aid options can UNG offer you, and what will you qualify for? Keep reading for more information. Keep scrolling to find out what amount of financial assistance will be accessible to you.
How much aid you qualify for depends largely on your family’s financial circumstances. The information provided on this page can help you determine how much aid you may receive from University of North Georgia.
Financial aid, in the form of loans, grants, work-study, and scholarships, is one way colleges reduce the cost of attendance so most students can actually afford to attend. Keep in mind that certain forms of assistance are more beneficial than others, and aid amounts differ from student to student.
Looking at the entering class at University of North Georgia, 91% of new full-time first-years were awarded at least some aid roughly 3312 new students).
| Type of Aid | % of Freshmen Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 87% | $7,226 |
| Institutional grants & scholarships | 19% | $2,486 |
| Federal Pell grants | 32% | $5,590 |
| State/local grants | 75% | $5,353 |
| Federal student loans | 21% | $4,731 |
Gift aid — grants and scholarships — beats loans every time because none of it has to be repaid. At UNG, about 77% of undergraduates were awarded an average grant or scholarship of $6,029 (across approximately 13327 students).
| Award | % of Undergrads Receiving | Average Amount |
|---|---|---|
| Grant or scholarship aid (all sources) | 77% | $6,029 |
| Federal Pell grants | 28% | $5,267 |
| Federal student loans | 20% | $5,511 |
On-campus students receiving title-IV aid were awarded grants averaging $8,354.
How much a family pays depends heavily on income, because most aid is awarded on the basis of financial need.
| Family Income | Average Net Price |
|---|---|
| $0 – $48,000 | $8,417 |
| $30,001 – $75,000 | $10,129 |
| Over $75,000 | $13,480 |
Each amount is the average cost remaining once grant aid is subtracted, by income band.
After grants and scholarships come off the published price, what remains is the net price — the best estimate of true out-of-pocket cost.
| Cohort | Average Net Price |
|---|---|
| On-campus title-IV students | $9,823 |
| Off-campus title-IV students | $10,785 |
For an estimate tailored to your family circumstances, see UNG’s NPC: ung.edu/financial-aid/net-calculator.php.
A typical borrower at UNG leaves with $9,673 in federal loans.
| Metric | Amount |
|---|---|
| Median federal debt (all student-aid borrowers) | $9,673 |
| Median federal debt (graduates only) | $17,750 |
| Typical 10-year monthly payment (graduates) | $188.18/mo |
The 10-year payment estimate assumes a standard federal repayment plan and the median graduate debt amount.
A single median figure conceals how much debt outcomes differ student to student. The four reference points below map the debt distribution at UNG.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $2,250 |
| 25th percentile | $4,011 |
| 75th percentile | $17,503 |
| 90th percentile (highest-debt students) | $27,169 |
Debt outcomes are not uniform — they shift with income, first-generation status, and dependency.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $10,000 |
| Middle income | $9,891 |
| High income | $9,124 |
First-Gen vs Continuing-Gen Median Debt
| Cohort | Median federal debt |
|---|---|
| First-generation students | $9,750 |
| Continuing-generation students | $9,000 |
Dependent vs Independent Students
| Cohort | Median federal debt |
|---|---|
| Dependent students | $8,785 |
| Independent students | $12,671 |
The Department of Education computes summary indicators that describe debt outcomes at a glance. UNG.
The Stafford loan program is the largest source of federal direct loans to undergraduates. The totals below capture Stafford lending at UNG:
| Metric | Value |
|---|---|
| Stafford loan recipients | 33774 |
| Total Stafford loan amount | $483,814,224 |
Military-affiliated students can tap the Post-9/11 GI Bill and DoD Tuition Assistance.
Post-9/11 GI Bill recipients
| Metric | Value |
|---|---|
| GI Bill recipients | 217 |
| Total GI Bill amount | $1,996,544 |
| Average GI Bill amount per recipient | $9,201 |
Active-duty Tuition Assistance recipients
| Metric | Value |
|---|---|
| DoD Tuition Assistance recipients | 46 |
| Total DoD amount | $44,070 |
| Average DoD amount per recipient | $958 |
References
More about our data sources and methodologies.