Financial Aid

Students applying for federal aid using FAFSA on the Web will receive a Student Aid Report (SAR) Information Acknowledgment within 10 to 14 days of submitting the application. Students applying using the paper version of the FAFSA will receive a SAR within 3 – 5 weeks of mailing the application. The GMC Financial Aid Office will receive the information electronically. Eligibility for Title IV aid is based on the information on the SAR, so the student should review it carefully. If any information is incorrect, the student should follow the instructions included with the form to make necessary corrections.

Initial Steps

1. Submit an Application for Admission to Georgia Military College.
2. Complete and submit a Free Application for Federal Student Aid (FAFSA) to apply for federal student financial aid and to apply for some state and college aid. Applying online with FAFSA on the Web at www.fafsa.gov is faster and easier than using a paper FAFSA.
3. Apply Faster – Sign the FAFSA with a U.S. Department of Education FSA ID. If providing parent information, one parent must sign the FAFSA. To sign electronically, the parent can also apply for a FSA ID.

Verification is a process used to check the accuracy of the information that a student and/or parent gives when applying for financial aid. The GMC Financial Aid Office will notify the student if selected for verification by the federal processor and will request certain documentation in order to complete the verification process. Until the verification process is complete, no Federal Funds may be released to the student. D. Once the file is complete, the student will be notified of eligibility and the amount of aid available through an award letter. If aid has been denied the student will also be advised by mail.

Need-Based Aid 

• Federal Pell Grant
• Federal Supplemental Equal Opportunity Grant (SEOG)
• Federal Subsidized Direct Loan
• Federal Work Study Program

Non-need-based Aid

• Federal Unsubsidized Direct Loan
• Federal Direct Plus Loan
• Private Student Loans
• Georgia Tuitition Equalization Grant
• Georgia HOPE Scholarship
• Georgia Public Safety Grant
• Georgia Student Access Loan
• Georgia HERO Scholarship
• Georgia HOPE GED Voucher
• Georgia Zell Miller Scholarship

• Demonstrate financial need (for most programs);
• Be a U.S. citizen or an eligible noncitizen;
• Have a valid Social Security number (with the exception of students from the Republic of the Marshall Islands, Federated States of Micronesia, or the Republic of Palau);
• Be registered with Selective Service, if you’re a male (you must register between the ages of 18 and 25);
• Be enrolled or accepted for enrollment as a regular student in an eligible degree program;
• Be enrolled at least half-time (6 quarter hours) to be eligible for Direct Loan Program funds;
• Maintain satisfactory academic progress;
• Sign the certification statement on the Free Application for Federal Student Aid (FAFSA®) stating that:
  • You are not in default on a federal student loan and do not owe money on federal student grant and;
  • You will use federal student aid only for educational purposes and;
  • Show you’re qualified to obtain a college education by
    • Having a high school diploma or a recognized equivalent such as a General Education Development (GED) certificate;
    • Completing a high school education in a home-school setting approved under state law.
    • Financial Aid Penalties for Drug Violation

GMC students now have real-time access to their financial aid record! Log into your GMC Student Portal and click on Financial Information to view your most current information!

• Check to see if your Free Application for Federal Student Aid (FAFSA) has been received
• Review any additional required documentation
• Verify that you are meeting the criteria for Satisfactory Academic Progress (SAP) and are eligible to continue receiving federal financial aid
• View details regarding your financial aid awards

Click here for instructions on how to fill out the Direct Loan form

2024-2025 Financial Aid Forms

• Loan Change Form
• Direct Loan Info
• PLUS Loan Authorization
• Georgia College Completion Grant
• Financial Aid Checklist
• Non-Federal SAP Appeal
• Summer PLUS Loan
• Verification Procedures

Financial Aid Applications

• Free Application for Federal Student Aid Information (FAFSA)
  • FAFSA Worksheet (English)
  • FAFSA Worksheet (Spanish)
• Federal Work Study Application
• Georgia Student Finance Application

Below you will find a list of helpful links that can assist you in the Financial Aid process.

Complete Entrance Counseling and/or a Master Promissory Note

Register for Selective Service

Create a Federal Student Aid ID (FSA ID) to electronically sign FAFSA

Complete the FAFSA

Apply for State Grants and Scholarships at GAfutures

Request a Tax Transcript

Apply for Outside Scholarships (not administered by GMC)

Research Federal Student Aid Programs

Avoid  Scams when Applying for Financial Aid

Information for Parents

Financial Aid Self-Service Logon Instructions

Dual Enrollment Application Guide 

• What is financial aid?
  • Financial aid is money provided to the student to help pay for the student’s education.  Major forms of financial aid include gift aid (grants and scholarships) and self-help aid (loans).
• I don’t think I qualify for financial aid, should I apply?
  • You should apply.  Every student who submits a completed Free Application for Federal Student Aid (FAFSA) might be eligible for gift aid (grants and scholarships).
• No one is helping me pay for college; that makes me an independent student, right?
  • The federal government determines your dependency status by asking a series of questions on the Free Application for Federal Student Aid (FAFSA).
• When does Georgia Military Global Online Leadership College receive my Free Application for Federal Student Aid (FAFSA)?
  • We will receive your FAFSA information from the federal government approximately in 3 business days.
• How does Georgia Military Global Online Leadership College process refunds?
  • We process refunds each week following the end of the drop/add period.  Refer to your GMC Portal for more details.

A loan is a form of financial aid that must be repaid, with interest.  Few students can afford to pay for college without some form of education financing.  In fact, two-thirds of undergraduate students graduate with some debt.  Education loans come in three major categories:  student loans, parent loans, and private or alternative loans.  A fourth type, consolidation loans, allows the borrower to lump all of their loans into one loan for simplified payment.

Click here for a Quick Comparison of the Loan Types.

Parents and students are encouraged to visit the following websites to learn more about the different types of loans available through Georgia Military College.

Federal Direct Subsidized Loan

This is a federal student loan with an interest subsidy, to help meet the financial need according to the federal formula.  As a direct lending school, loans are processed directly between the College and the federal lender.

Federal Direct Unsubsidized Loan

This is a federal student loan with no interest subsidy.  Demonstration of financial need is not required to receive this loan.  As with the Direct Subsidized Loan, loans are processed directly between the College and the federal lender.

Federal Direct PLUS Loan

PLUS stands for Parent Loan for Undergraduate Students.  This is a federal loan that a creditworthy parent of a dependent student may borrow.  It does not have an interest subsidy and repayment starts within 60 days after the loan is fully disbursed.

Click Here to view the interest rates for Direct Loans first disbursed between July 1, 2023 and June 30, 2024.

Click Here for Georgia Military College Statistics.

Student Account Balances

The student balance section details the following:

• Tuition and Fee Charges
• Less: Anticipated/Applied Financial Aid
• Less: Cash, Check, Credit Card Payments

For detail instructions on printing a statement, click View Your Student Account.

Student Refunds

GMC processes refunds on a weekly basis.   All students anticipating a refund are encouraged to enroll in Direct Deposit. The electronic refund direct deposit program allows your refund to be automatically deposited into your personal checking or savings account.  The process is safe, secure, and faster.  No more waiting for the postal service to deliver your check.

To enroll in Direct Deposit, click Enroll in Direct Deposit and follow the instructions below:
From the GMC Portal Home page, Select-Banking Information-Add Account-Activate-Next- Routing Number-Bank Number-Scroll to the bottom of the page and click I Agree-Submit.

Student Payments

From GMC Student Portal, GMC offers online payment options to students/families:

• E-Check from Checking/Savings Account
  GMC offers students/families the ability to make E-Check payments thru the GMC Student Portal directly from your savings or checking account.  This is a fast, free, and convenient way to make your payment.
  For detail instructions on making an e-check payment, click Make a E-Check Payment.

• Credit and Debit Card Payments
  Effective May 1^st, 2023 families choosing to make Tuition payments using a credit/debit card will be accessed a third-party convenience fee.  The convenience fee % will display at the time the transaction is processed.  The convenience fee is accessed and retained by our third-party vendor for providing the credit/debit card processing service.
  For detailed instructions on making a credit/debit card payment, click Make a Credit/Debit Card Payment.

• Mail-in Payments
  • Student Payments
  • 529 Plans
  • Outside Scholarships
  • Sponsored Billing (Third Party Payments)

Mail-in payments must be mailed at least three weeks prior to the beginning of the quarter (embed JC quarter start/end dates). GMC is not responsible for the US Postal delivery time.  Checks must be payable to “Georgia Military College”.  To ensure funds are properly recorded, please include the Georgia Military College student ID number in the informational section of the check.  GMC requires third-party payers to include a detailed letter stating how funds are to be applied and a contact name, email address and phone number.  Please mail payments to the following address:

Georgia Military College
Attn:  Student Accounts Receivable, Parham Hall
201 East Greene Street
Milledgeville, GA 31061

Student Accounts Forwarded to Williams & Fudge Collections Agency

Georgia Military College attempts to negotiate student payments; however, when collections efforts fail Georgia Military College processes past due accounts to Williams and Fudge Collections Agency (800) 849-9791.

Each calendar year, Georgia Military College is required by the IRS to prepare the 1098-T Tuition Statement Form for each college student enrolled and having qualified expenses billed during the calendar year.   The information on the 1098-T form is provided to assist the college student with filing for education tax benefits/tax credit deductions, such as the Lifetime

For more information or to download your 1098-T form click here.

studentAR@gmc.edu
478-387-4847 option 1 or 2

To complete the loan counseling requirement visit StudentLoans.gov

Please review our financial aid policies here.

Return of Title IV (Federal) Financial Aid

When a student withdraws during a term, the amount of federal financial aid earned by the student is determined on a pro-rata basis up to the end of 60% of the term. For example, if the student has completed 30% of the term, he or she has earned 30% of the aid originally scheduled to be received. Once a student has completed more than 60% of the term, he or she has earned all of his or her federal financial aid. (Federal Work Study funds are excluded from the return of Title IV funds requirements.)

If a student has received excess funds, the College must return a portion of the excess equal to the lesser of:

• the student’s institutional charges multiplied by unearned percentage of funds, or
• the entire amount of the excess funds.

If the aid to be returned is in the form of a loan that has been released to the student (or parent) borrower, the student (or parent) can repay the loan in accordance with the terms of the promissory note over a period of time. If the aid to be returned is in the form of grant funds, the law provides that the student may repay 50% of the grant rather than 100%.

Within 30 days of the date of GMC’s determination that a student withdraws, GMC will provide written notification to the student, or parent in the case of a parent PLUS loan, that outlines results of the refund calculation and post- withdrawal disbursement eligibility, if applicable. Any unearned Title IV funds are returned within 45 days of the date GMC determined the student withdrew.

Order of Funds to be Returned

The funds must be credited to outstanding loan balances or to any amount awarded for the term in which a return of funds is required in the following order:

1. Unsubsidized Federal Direct Stafford Loans
2. Subsidized Federal Direct Loans
3. Federal PLUS Loans received on behalf of the student
4. Federal Pell Grants
5. Federal SEOG Grants

Example of a Refund and Return of Title IV Financial Aid

Student enrolls for Quarter 2, beginning on October 10 and ending on December 6 (57 days). Student withdraws from all courses on November 5.

Refund Calculation

Total Charges for Tuition and Fees = $2,010

Student attends October 10 to November 5 (withdrawal date) = 26 days/57 days in term = 46% of the term

Return of Title IV Aid Calculation

Step 1. Title IV Aid Disbursed on November 5:

Subsidized Direct Loan $ 866.25

Unsubsidized Direct Loan $990

Total aid disbursed $1,856.25

Step 2. Percentage of Title IV Aid Earned:  26 days of enrollment/57 days in term = 46%

Step 3. Amount of Title IV Aid Earned: 46% x $1,856.25 = $853.88

Step 4. Total Title IV Aid to be Returned: $1856.25 – $853.88 =$1,002.37

Step 5. Amount of Unearned Title IV Aid Returned by the School:

Subsidized Direct Loan $12.37

Unsubsidized Direct Loan $990.00

Total Title IV aid returned to federal programs $1,002.37

Refund of Funds from the Georgia Student Finance Commission (GSFC)

Students who withdraw after the census date (the end of the drop/add period) may receive state grant or scholarship payment for the costs incurred up to the term award. Students who withdraw before the census date are not eligible for state grants or scholarship payments for costs incurred for the term. State grants or scholarship payments received for the term, prior to the census date will be returned toGSFC. Students will be responsible for the balance caused by the cancellation of this financial aid.

Refund of Private Scholarships, Grants and Loans

Unless otherwise requested by the donor or a private scholarship, grant or loan award, the refund/cancellation of private financial assistance follows the pro-rata policy for the cancellation of institutional charges and institutional financial aid.

1. All Title IV funds are awarded based on the information received from the FAFSA. You must complete the FAFSA to be eligible. The FAFSA can be found at www.studentaid.gov.

2.  Georgia Military College’s academic year, for the purposes of administering federal Title IV financial aid programs is defined as:

• 4+1 – Four nine (9) week terms for a total of 36 weeks during which the average undergraduate student is expected to complete a minimum of forty-eight (48) credit hours.

Enrollment in a minimum of 12 credit hours per term is required in order to be considered a full-time student for Title IV federal aid purposes.
The Scheduled Academic Year (SAY) applies to the administration of Federal Direct Loans at GMC. The statutory maximum annual loan limits apply to this period of time. The SAY begins with the first day of class each Fall 1 and ends with the last official exam day of the following Spring term. The Summer term at GMC is considered a “trailer” to the SAY; therefore, the applicable annual loan limits apply to the Fall 1 – Spring SAY, plus the Summer trailer.

3. Once the FAFSA is received and processed in our office the student’s file will be marked for awarding in groups based on the date all the information was received. Awards are made on a first-come, first-served basis.

4. Based on a student’s enrollment and housing plans, an estimated Cost of Attendance (COA) will be assigned for packaging purposes.  The COA includes the following items:

• Tuition and Fees
• Books and Supplies
• Personal Expenses
• Transportation Cost
• Food and Housing

5. The Estimated Family Contribution (EFC) is subtracted from the COA to determine each student’s demonstrated financial need.

• COA – EFC = NEED
  • The sum of all need based awards will not exceed the need of the student.
  • The sum of all awards (need and non-need) will not exceed the COA.

The packaging methodology for undergraduate students:

1.  PELL Grants will be automatically awarded based on the student’s EFC and the PELL tables published by the US Education Department.

2. Supplemental Educational Opportunity Grant (SEOG) will be automatically awarded based off an EFC of Zero (0000) and the File Complete Date.  SEOG is awarded on a first come first served basis and the availability of funds.

3. Direct Subsidized and/or Unsubsidized loans are packaged “up-front”. GMC will not certify loans unless the student submits a Request for Stafford Loan form. Before the loans will transmit to the students account, the student must complete the Master Promissory Note and Entrance Loan Counseling.

4. Federal Work-Study will be awarded if the student applies for a position through Human Resources and the financial aid office determines eligibility.

NOTE: Pell Grant, SEOG, and Direct Loans have amount limits established by regulation.

You can find more information about the maximum amount of Pell Grant funds here.

2024 – 2025 Direct Loan Information Handout

2024-2025 Award Year Deadlines 

• FAFSA Deadline June 30, 2025
• GMC Deadline for 2024-2025 verification paperwork August 15, 2025
• GMC Deadline to process corrections August 29, 2025
• Electronic corrections to FAFSA September 14, 2025
• Year End Close September 30, 2025

2024-2025 Census Dates 

• Quarter 1 ———– August 16, 2024
• Quarter 2 ———- October 22, 2024
• Quarter 3 ———- January 14, 2025
• Quarter 4 ———- March 21, 2025
• Summer ———— June 6, 2025