Loans

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Applicants or enrolled students may apply for student aid by completing the Free Application for Federal Student Aid (FAFSA). The application should be submitted by March 1 of each year, but will also be accepted if submitted at a later date. The FAFSA will be used to determine your eligibility for the Direct Unsubsidized Loan, which is awarded at a maximum of $20,500 per academic year. If awarded this loan, you will also be required to complete Entrance Counseling and the Master Promissory Note.

If you need more aid than the Direct Unsubsidized Loan will allow, you may also apply for a Direct Graduate PLUS Loan. Since the loan is credit-based, you must complete an additional application. You are required to sign in with your Social Security number, date of birth, and Federal Student Aid PIN in order to access the Direct PLUS Loan Request. The maximum amount you may borrow is your cost of attendance budget minus other aid received (e.g. $55,364-$20,500=$34,864). Direct PLUS Loans may also be borrowed to cover summer tuition and fee expenses, if you will be enrolled in a minimum of 2 credit hours.

Private educational loans are also available through a variety of banking institutions and lending organizations. The terms, conditions, and rates are determined by the banks and lenders themselves and will differ. For more information, directly contact the bank or lender.

Emergency Loans

Morris R. Gelblum Law Loan

An emergency loan fund in memory of the late associate dean Morris R. Gelblum assists students who are experiencing temporary financial hardship. Interest-free, short-term loans up to $600 can be made in critical situations, with repayment due in not more than 90 days. For consideration of the Gelblum loan, fill out the application and promissory note.

Office of Scholarships and Student Aid Loan

The Office of Scholarships and Student Aid also has a limited emergency loan fund from which interest-free, short-term loans up to $800 can be made to cover temporary, emergency expenses. The funds can be used for books, living expenses, childcare, etc, but cannot be used for university charges. The repayment date would never be beyond the first day of the last month of the semester in which the loan is borrowed (i.e. December 1 or May 1). If you fail to repay the loan by the due date, a "hold" will be placed on your academic records and late fees will be assessed at $15 per month. The unpaid balance will be automatically deducted from any future refund you may receive from the Cashier's Office and future Emergency Loan requests may be denied. If you are interested in this loan, you must first complete an application (PDF).

UNC School of Law | Van Hecke-Wettach Hall | 160 Ridge Road, CB #3380 | Chapel Hill, NC 27599-3380 | 919.962.5106


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