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Private Loan Program

Private Educational Loan Program

Student Loans

Coastal Pines Technical College does not participate in any federal student or parent loan programs. Any student loan for which a student wishes to apply must be a private student loan.

Private (Alternative) Educational Loans

Private loans should be used as a last resort (“gap” financing) to pay for educational expenses, such as outstanding tuition, fees, and books. Applicants must complete a FAFSA and submit any necessary verification documentation, if selected for verification. This will ensure that the student has been awarded all applicable Federal and State Scholarship and Grants before you apply for a Private Student Educational Loan. In addition, students must have an existing unmet need after the student’s Expected Family Contribution (EFC) amount and other scholarships and/or grants have been subtracted from the student’s Cost of Attendance for the Aid year. CPTC will only certify a private educational loan for up to $6,000 per Aid Year or up to $2,000 per semester.

Coastal Pines Technical College’s policy is not to certify loans for living expenses, as this encourages students to incur additional debt during their college education. Any private student loan provider that the student selects, must disburse loan funds directly to the college’s business office for processing and/or refunds that are to be issued to the student.

Please remember that private student loans have much more in common with credit card debt than Federal Student Loans and should be handled responsibly. They are NOT guaranteed by the Federal Government and have different requirements and regulations. For general information regarding private student loans, you can visit or for more information.

The following are some lenders, listed in alphabetical order, who are currently offering private educational loan options. Students are not required to use these lenders and are encouraged to compare various loan options. No significance should be inferred from the order in which the lenders are listed.

Fifth Third Bank – Smart Option Student Loan

Sallie Mae – Smart Option Student Loan


Telephone numbers are accessible to persons who are deaf or hard of hearing through the Georgia Relay by dialing 711 or 1-800-255-0056 from a TTY/TDD.

Los números de teléfono son accesibles a las personas que son sordos o con pérdida de la audición a través de Georgia Relay marcando 711 o 1-800-255-0056 de TTY/TDD.


Waycross Camden Baxley
1701 Carswell Ave 100 Keith Dixon Way 1334 Golden Isles Pkwy, W
Waycross, Georgia 31503 Kingsland, GA 31548 Baxley, Georgia 31513
912.287.6584 912.522.4510 912.367.1700
  Camden Golden Isles
Alma Cosmetology Program 3700 Glynco Pkwy
101 West 17th St 8001 The Lakes Blvd Brunswick, Georgia 31525
Alma, Georgia 31510 Kingsland, Georgia 31548 912.262.4999
912.632.0951 912.510.3364  
  Hazlehurst 1777 West Cherry St
  677 Douglas Hwy Jesup, Georgia 31545
  Hazlehurst, Georgia 31539 912.427.5800


Human Trafficking Hotline

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