Young Harris College utilizes the Federal Family Education Loan Program (FFELP). Under FFELP, loans are provided by private lenders and insured by guaranty agencies and reinsured by the federal government. Young Harris College acts as an impartial representative of the borrower with no financial gain from any lender. Any borrower may choose from a FFELP Lender of their choice or choose from our preferred lender list which is made up of lenders chosen for their loan service and benefits to borrowers.