East Georgia State College is the most affordable college is the Georgia educational system. 

What does this mean to you?  As the most affordable college, your dollars go further. Grants and Scholarships you receive cover more of your costs, so you can borrow less, or not at all. This means you could graduate college without having to make monthly payments on a student loan. Or you would have more student loan funds availability for a bachelor’s or master’s degree.

Tuition and Fees at our Swainsboro Campus are only $1,568 per semester, based on 12 credit full-time enrollment. But there is more to EGSC than just affordability. Click here to find out why you should choose East Georgia!

The Federal Direct loan is the most common student loan program for funding undergraduate and graduate education. Learn more about federal direct loan programs.

Subsidized loans are based on financial need as determined by the Expected Family Contribution on the FAFSA. The federal government pays the interest on the Subsidized Loan amount borrowed while the student remain in school at least half-time.

Important Note: The U. S. Department of Education has temporarily eliminated the interest subsidy on Direct Subsidized Loans during the six month grace period provided to students no longer enrolled on at least a half-time basis. This change will be effective for new Direct Loans disbursed on or after July 1, 2012 and before July 1, 2014.

How to apply:

  1. Complete Free Application for Federal Student Aid (FAFSA) 
  2. Submit Loan Offer Request Form
  3. Complete Federal Direct Student Loans Entrance Counseling
  4. Sign Master Promissory Note (MPN) 

Unsubsidized loans are not based on financial need, therefore the federal government does not pay the interest during in-school, grace, and deferment periods. Students may choose to defer interest payments until repayment begins; however, the student is responsible for all interest that has accrued, which will automatically capitalize to the loan principal.

How to apply:

  1. Complete Free Application for Federal Student Aid (FAFSA) 
  2. Submit Loan Offer Request Form
  3. Complete Federal Direct Student Loans Entrance Counseling
  4. Sign Master Promissory Note (MPN) 

A Federal PLUS is a loan in the parent’s name for a dependent student enrolled at least half time in a degree-seeking program. It is a non-need based loan with the benefit of having a fixed interest rate. PLUS Loans are available regardless of income or assets, and no collateral is required. While the parent borrower does not have to prove financial need, a credit check is required.

  1. Complete Free Application for Federal Student Aid (FAFSA) 
  2. Complete Parent Plus Loan Application process at https://studentloans.gov 
  3. Complete Plus Credit Counseling, when approved through appeal process or endorser at www.studentloans.gov
  4. Approved Parent Plus Loan borrower must complete Loan Agreement for a PLUS Loan (MPN)