Georgia colleges students who still need some help paying their bills have until Oct. 31 to apply for the state's new low-interest loan program. Lawmakers funded the Student Access Loan Program when they overhauled the state's merit-based HOPE scholarship. The loans, which carry a 1 percent interest rate, won't cover all costs but can fill financial holes for those who exhausted other options. For applications and additional information go to: www.gacollege411.org.

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Ceudy Gutierrez reads a book to her 2-year-old son, Matias, at their home in Buford, GA, on Tuesday, Nov. 18, 2025. Ceudy Gutierrez is struggling to make ends meet for herself and her three young kids following her husband’s ICE arrest earlier this fall. (Miguel Martinez/ AJC)

Credit: Miguel Martinez-Jimenez