If you're from the US and you are interested in studying at St George's, find out more about federal and private loans.
For programme eligibility for Federal Student Aid please contact usfederalaid@sgul.ac.uk.
Please note that to be eligible to borrow Federal Student Aid / Direct Loans, it is a requirement that students from the US have a high school diploma (or equivalent).
Veterans' funding
If you will be using Post 9/11 GI Bill or any other funding from the Department of Veterans' Affairs please contact the student finance and policy officer as soon as possible by emailing usfederalaid@sgul.ac.uk. We need to request individual programme approval for each student which can take several months.
Applying for aid
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Fill in a Free Application for Federal Student Aid (FAFSA) application via the Federal Student Aid website. The St George's, University of London school code is G22666. This will be required when filling in the FAFSA application.
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Check your Student Aid Report (SAR).
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Once Federal Student Aid have processed your information, you will be emailed a copy of your SAR. Please review the information carefully and ensure that it includes an estimated family contribution and the details of any previous loans.
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If any information is missing or there are comments stating further information is required, you will need to make corrections and re-submit your application. If there is a C shown next to the estimated family contribution, further information will be required. Check the comments codes and make any necessary corrections. In some cases we may need to ask you to provide documentary evidence (such as proof of US citizenship). Please send an electronic copy of your SAR to usfederalaid@sgul.ac.uk.
Calculated cost of attendance
If you have been offered a place on a course at St George's and have firmly accepted the offer then once your SAR has been received we will send you:
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a calculated cost of attendance
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details of the loans for which you are eligible and
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instructions on what you need to do next.
Federal loans available
| Subsidised |
Fixed, maximum value; no interest charged while in school
|
|---|
| (Undergraduate students only) |
Fixed, maximum value; interest charged while in school
|
|---|
| Unsubsidised |
|
|---|
| PLUS Loan |
Max value set by St George's in the calculated cost of attendance; interest charged while in school
|
|---|
The maximum amount of subsidised and unsubsidised loans is as follows.
Dependent undergraduates (students aged 24 and under)
| Year of course | Subsidised loan | Unsubsidised loan | Maximum loan |
|---|
|
1
|
$3,500
|
$2,000
|
$5,500
|
|
2
|
$4,500
|
$2,000
|
$6,500
|
|
3 and later
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$5,500
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$2,000
|
$7,500
|
Independent undergraduates (students aged over 24 or whose parents have been refused a Parent PLUS Loan)
| Year of course | Subsidised loan | Unsubsidised loan | Maximum loan |
|---|
|
1
|
$3,500
|
$2,000
|
$9,500
|
|
2
|
$4,500
|
$6,000
|
$10,500
|
|
3 and later
|
$5,500
|
$7,000
|
$12,500
|
Graduate and professional students
| Year of course | Subsidised loan | Unsubsidised loan | Maximum loan |
|---|
|
All years
|
N/A
|
$20,500
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$20,500
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The lifetime aggregates remain $65,500.00 (subsidised) and $138,500.00 (combined subsidised and unsubsidised). You may not borrow more than this total amount.
Federal Direct Parent and Grad PLUS Loans may be used as supplemental funding when subsidised and unsubsidised loan maximums are reached. As always, the total amount you may borrow in student loans for any academic year is limited to your annual calculated cost of attendance minus all other sources of funding.
Completing your application
Confirm the amount you wish to borrow and complete the loan application/s and entrance counselling and credit check (for PLUS loans).
Once you have confirmed the amount of each type of loan you wish us to originate, you also need to forward the following:
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a Master Promissory Note for Direct Subsidised/Unsubsidised Loans
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a screenshot confirming you have completed Entrance Counselling (even if you have done it in a previous year – it is good practice to do this every year as it reminds you of your responsibilities in the Direct Loan Scheme)
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a PLUS Master Promissory Note and screen shot of the credit check acceptance if you will be using a PLUS Loan
You do all of this online at the Federal Student Aid, Student Loans website. You sign into this site using the same PIN that you used to sign your FAFSA.
Please note that If you do not include everything required we will not be unable to originate your loans.
Loan certification
When you have completed the above steps, we will mail you a loan certificate. We strongly advise that you complete your application ASAP in order to ensure that your loan certificate can be mailed in time for you to apply for a visa to study in the UK.
Disbursing (paying) the loan
Undergraduate and postgraduate students will receive three disbursements (one per term).
From each disbursement we will deduct an amount towards your tuition fees and the remainder will be forwarded to you. You will need to open a UK bank account to avoid having to pay two foreign exchange charges.
Satisfactory academic progress policy
While in receipt of Federal loan funds for the loan period outlined on your loan application, you are required to be enrolled on your programme of study and to maintain satisfactory academic progress.
If you fail to meet the required standard in any period, you will be placed on 'Financial Aid Probation' for a period of one semester, or until the next available opportunity to undertake these assessments. If after this period you do not reach the satisfactory academic standard, your eligibility for Federal loans (Stafford and Plus loans) may be terminated. The student finance and policy officer would confirm any probation or termination of eligibility with the individual student should this situation arise.
View further details of St George’s, University of London's Satisfactory Academic Progress policy. (PDF)
Return of title IV (R2T4) policy
You should inform the Student Finance & Policy Officer (usfederalaid@sgul.ac.uk) if you decide to withdraw or interrupt/take leave of absence from your course. The University is required by Federal Law to start a process that recalculates your financial aid eligibility based on your actual period of attendance and return any unearned tuition and fees paid to the institution. This process is called Return to Title IV (R2T4).
View further details of St Georges, University of London’s Return of Title IV (R2T4) Policy. (PDF)
Periods of interruption/Leave of absence are not eligible for US loan funding and will be reported to the National Student Loan Data System (NSLDS).For further advice and guidance on the US loans procedure for withdrawals/interruptions/leave of absence, please contact usfederalaid@sgul.ac.uk.
Tuition fee policy
The University's tuition fee policy is applied independently of the R2T4 policy described above. Please refer to the following link: Tuition Fee Policy
Withdrawal and exclusion from studies
Students who voluntarily wish to leave St Georges, University of London permanently, should contact their course administrator in the first instance, for further guidance on procedure.
Exit counselling
It is a legal requirement that all students who have received Federal loan(s) and have graduated or withdrawn from their programme of study complete exit counselling. This is done through Federal Student Aid, Student Loans website. Please go to the site and follow the instructions for Stafford Loan and /or PLUS Loan exit counselling.
Private loans
You may want to apply for a private loan to cover the cost of education not met by Federal Loans. If you are over 24 and studying an undergraduate course, PLUS loans are not available so private loans may be your only other option. Private loans are not part of the Direct Loan scheme and not covered by Federal Student Aid Regulations.
We are happy to work with any lender who you choose to use who will lend to US students who study internationally. However, since the ending of the Federal Family Education Loan Program loan scheme, many of the lenders have withdrawn from the student loan market, especially for those US students who wish to study overseas.
Smart Option Student Loan
The Smart Option Student Loan is a private, credit-based loan for undergraduate and graduate students. It is designed to reduce the overall loan costs and help shorten the amount of time it takes to pay off the loan, the Smart Option Student Loan features interest-only payments while in school and repayment terms based upon the cumulative outstanding Sallie Mae-serviced private student loan balances and the borrower's academic grade level.
The Smart Option Student Loan is available through Global Education Management Services.
Repaying your loan
It is your responsibility to repay your loan. If in doubt about the terms of your loan, please contact your loan servicer.
Consumer dosclosure information
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The link below provides an overview of St Georges, University of London’s general
admissions policy.
Information on the University’s completion and transfer out rates is available from the Higher Education Statistics Agency (HESA). For the latest rates please refer to the links below:
Students found guilty within the legal jurisdiction of the UK during their period of study will lose their eligibility for Federal Loans. For more information, please refer to the links below:
The Student Finance team provides information and support on a wide variety of funding sources. To arrange an appointment, please email:
The St George's, University of London (SGUL) Fire Safety Policy and associated fire safety procedures draw on the Regulatory Reform (Fire safety) Order 2005, the Fire Safety Act 2021, The Control of Substances Hazardous to Health Regulations 2002. The Dangerous Substances and Explosive Atmospheres Regulations 2002 and the primary legislation such as the Health and Safety at Work etc Act 1974 to maintain fire precaution compliance and as representing best practice.
For further information and policy, please visit our fire safety policy page.
Please refer to the following links on the university website:
In order to prohibit a conflict of interest with the responsibilities of an agent with respect to Private Educational Loans, staff at the University with the responsibility for Federal an Private Educational Loans from the USA are prohibited from the following:
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Revenue sharing arrangements with lenders
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Receiving gifts from a lender or loan servicer
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Obtaining financial benefits from lenders or loan servicers
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Providing a preferred list of lenders
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Offers of funds for private lenders
The University does not have a preferred Lenders List but will, where possible, work with whichever private lender a prospective borrower decides to use. Students should be aware that the majority of private lenders choose not to offer loans when borrowers are studying outside the USA. This is why, on our US Loans information the only loans we list as being accessible are the US Federal Direct Stafford and PLUS loans or private loans such as Sallie Mae.
The University is approved by the Quality Assurance Agency (QAA) and The Higher Education Funding Council for England (HEFCE) to deliver education to the required standards.
The University is responsible for its academic standards and the quality of the student learning experience. It is committed to reflecting on and systematically reviewing its provision and acting to enhance it. The Quality Framework supports the management of academic standards and the student experience across the University’s academic provision and student services and aligns with external body requirements.
Information about any required and recommended textbooks for your course will be provided to you by your programme team. Should you require specific information about textbooks, please contact the relevant programme team for advice.
You may also wish to consult the University Library Services
Further help
We realise that the student loan process can be confusing. If you require further clarification, please do not hesitate to email us.
Email: usfederalaid@sgul.ac.uk