University of North Carolina at Chapel Hill

==Academics==

[[File:UNC South Building.JPG|thumb|South Building, administrative offices of the chancellor and College of Arts and Sciences|alt=A large building with many windows and four columns on the front.]]

===Curriculum===
[[File:Students walking through UNC campus.jpg|thumb|Students walking through campus between classes]]
{{As of|2007|post=,}} UNC-Chapel Hill offered 71 bachelor's, 107 master's and 74 [[doctorate|doctoral degree]] programs.<ref name="compendium">{{cite web |url=http://www.unc.edu/news/compendium.shtml|title=Compendium of Key Facts|access-date=April 5, 2008|year=2007|publisher=UNC News Services |archive-url = https://web.archive.org/web/20080329062535/http://www.unc.edu/news/compendium.shtml |archive-date = March 29, 2008}}</ref> The university enrolls students from all 100 [[List of counties in North Carolina|North Carolina counties]] and state law requires that the percentage of students from North Carolina in each [[freshman]] class meet or exceed 82%.<ref>{{cite web|url=http://ctl.unc.edu/hintro.html |archive-url=https://web.archive.org/web/20020827105015/http://ctl.unc.edu/hintro.html  |archive-date=August 27, 2002 |title=Introduction to UNC: Campus and Student Profile |access-date=April 5, 2008 |year=2001 |work=Teaching at Carolina |publisher=UNC Center for Teaching and Learning }}</ref> The student body consists of 17,981 undergraduate students and 10,935 graduate and professional students (as of Fall 2009).<ref>{{cite web|url=http://oira.unc.edu/headcount-enrollment.html |archive-url=https://web.archive.org/web/20100611193949/http://oira.unc.edu/headcount-enrollment.html  |archive-date=June 11, 2010 |title=Fall 2011 Headcount Enrollment – Office of Institutional Research and Assessment |publisher=Oira.unc.edu |date=September 15, 2011 |access-date=July 10, 2012}}</ref> Racial and ethnic minorities comprise 30.8% of UNC-Chapel Hill's undergraduate population as of 2010<ref>{{cite web |url=http://oira.unc.edu/undergraduate-enrollment-by-race.html |archive-url=https://web.archive.org/web/20100611193446/http://oira.unc.edu/undergraduate-enrollment-by-race.html  |archive-date=June 11, 2010 |title=Fall 2011 Undergraduate Enrollment by Race/Ethnicity – Office of Institutional Research and Assessment |publisher=Oira.unc.edu |date=September 15, 2011 |access-date=July 10, 2012}}</ref> and applications from international students more than doubled in five years from 702 in 2004 to 1,629 in 2009.<ref>{{cite web|url=http://admissions.unc.edu/Life/Diversity/default.html|archive-url=https://web.archive.org/web/20100210033802/http://www.admissions.unc.edu/Life/Diversity/default.html|archive-date=February 10, 2010|title=Diversity at Carolina|publisher=Admissions.unc.edu|date=January 27, 2012|access-date=July 10, 2012}}</ref> Eighty-nine percent of enrolling first year students in 2009 reported a GPA of 4.0 or higher on a weighted 4.0 scale.<ref name="admissions.unc.edu">{{cite web|url=http://www.admissions.unc.edu/pdf/UNC_Quick_Facts.pdf|title=Quick Facts|access-date=June 9, 2010|archive-url=https://web.archive.org/web/20100609212031/http://www.admissions.unc.edu/pdf/UNC_Quick_Facts.pdf |archive-date=June 9, 2010}}</ref> The most popular majors at UNC-Chapel Hill in 2009 were biology, business administration, psychology, media and journalism, and political science.<ref name="admissions.unc.edu"/> UNC-Chapel Hill also offers 300 study abroad programs in 70 countries.<ref>{{cite web|url=http://studyabroad.unc.edu/studyabroad.cfm|archive-url=https://web.archive.org/web/20080905150003/http://studyabroad.unc.edu/studyabroad.cfm |archive-date=September 5, 2008|title=Study Abroad at UNC|website=Studyabroad.unc.edu|access-date=July 10, 2012}}</ref>

At the undergraduate level, all students must fulfill a number of general education requirements as part of the Making Connections curriculum, which was introduced in 2006.<ref>{{cite web|url=http://advising.unc.edu|title=Academic Advising Program|publisher=UNC Academic Advising Program|access-date=December 12, 2010|archive-url=https://web.archive.org/web/20101127204810/http://advising.unc.edu/|archive-date=November 27, 2010}}</ref> English, social science, history, foreign language, mathematics, and natural science courses are required of all students, ensuring that they receive a broad [[liberal arts]] education.<ref>{{cite web |url=http://advising.unc.edu/guidelines|title=Academic Policies|publisher=University of North Carolina at Chapel Hill|access-date=April 14, 2009|archive-url=https://web.archive.org/web/20080822022809/http://advising.unc.edu/guidelines|archive-date=August 22, 2008}}</ref> The university also offers a wide range of first year seminars for incoming freshmen.<ref>{{cite web|url=http://www.unc.edu/fys/aboutfys.html|title=FYS @ UNC-CH: About FYS|access-date=February 24, 2004|archive-url=https://web.archive.org/web/20040224013423/http://www.unc.edu/fys/aboutfys.html|archive-date=February 24, 2004}}</ref> After their second year, students move on to the College of Arts and Sciences, or choose an undergraduate professional school program within the schools of medicine, nursing, business, education, pharmacy, information and library science, public health, or media and journalism.<ref>{{cite web|url=http://admissions.unc.edu/faq/studying.htm#choose|title=When do I choose my major?|year=2005|work=Studying FAQs|publisher=UNC Office of Undergraduate Admissions|access-date=June 20, 2008|archive-url=https://web.archive.org/web/20080610021658/http://www.admissions.unc.edu/faq/studying.htm|archive-date=June 10, 2008}}</ref> Undergraduates are held to an eight-semester limit of study.<ref>{{cite web|url=http://advising.unc.edu/FAQ/ParentsCouncilFAQs#is-a-student-required|title=Frequently Asked Questions|year=2010|publisher=UNC Academic Advising program|access-date=December 12, 2010|archive-url=https://web.archive.org/web/20101031022550/http://advising.unc.edu/FAQ/ParentsCouncilFAQs|archive-date=October 31, 2010}}</ref>

=== Admissions ===

==== Undergraduate ====

{{Infobox U.S. college admissions
 |year=2022
 |admit rate        = 16.8%
 |admit rate change = -8.4
 |yield rate        = 45.9%
 |yield rate change = 0.9
 |test optional     = yes
 |SAT Total         = 1350-1510<br />(among 15% of [[freshman|FTFs]])
 |SAT Total change  =
 |ACT               = 29–33<br />(among 60% of [[freshman|FTFs]])
 |ACT change        =
 |float             = right
|ref=<ref name="FallEnrollmentReport">{{cite web|url=https://oira.unc.edu/wp-content/uploads/sites/297/2023/03/CDS_2022-23_20230323.pdf |archive-url=https://web.archive.org/web/20230326220323/https://oira.unc.edu/wp-content/uploads/sites/297/2023/03/CDS_2022-23_20230323.pdf |archive-date=2023-03-26 |url-status=live |title=UNC-Chapel Hill Common Data Set 2022–2023|publisher=University of North Carolina at Chapel Hill |access-date=2023-03-31 }}</ref>
|change ref=<ref>{{cite web|url=https://oira.unc.edu/wp-content/uploads/sites/297/2017/07/CDS_2015-2016_2016041416.pdf|title=Common Data Set 2015–2016|publisher=University of North Carolina at Chapel Hill|access-date=March 18, 2022|archive-date=March 18, 2022|archive-url=https://web.archive.org/web/20220318084528/https://oira.unc.edu/wp-content/uploads/sites/297/2017/07/CDS_2015-2016_2016041416.pdf|url-status=live}}</ref>
}}

UNC-Chapel Hill's admissions process is "most selective" according to ''[[U.S. News & World Report]]''.<ref>{{cite magazine |url=http://colleges.usnews.rankingsandreviews.com/best-colleges/unc-2974 |title=University of North Carolina – Chapel Hill |magazine=U.S. News & World Report |access-date=September 22, 2015 |archive-url=https://web.archive.org/web/20150907180723/http://colleges.usnews.rankingsandreviews.com/best-colleges/unc-2974 |archive-date=September 7, 2015 |url-status=live }}</ref> For the Class of 2025 (enrolled fall 2021), UNC-Chapel Hill received 53,776 applications and accepted 10,347 (19.2%). Of those accepted, 4,689 enrolled, a [[Yield (college admissions)|yield rate]] (the percentage of accepted students who choose to attend the university) of 45.3%. UNC-Chapel Hill's freshman [[University student retention|retention rate]] is 96.5%, with 91.9% going on to graduate within six years.<ref name="FallEnrollmentReport" /><ref name="CP">{{cite web |title=UNC Admissions |url=https://admissions.unc.edu/explore/our-newest-class/ |website=UNC Office of Undergraduate Admissions |publisher=UNC |access-date=April 8, 2022 |archive-date=April 15, 2022 |archive-url=https://web.archive.org/web/20220415180752/https://admissions.unc.edu/explore/our-newest-class/ |url-status=live }}</ref>

Of the 60% of enrolled freshmen in 2021 who submitted [[ACT (test)|ACT]] scores; the middle 50 percent Composite score was between 29 and 33. Of the 15% of the incoming freshman class who submitted [[SAT]] scores; the middle 50 percent Composite scores were 1330-1500.<ref name="FallEnrollmentReport" /> In the 2020–2021 academic year, 20 freshman students were [[National Merit Scholars]].<ref>{{cite web|url=https://www.nationalmerit.org/s/1758/images/gid2/editor_documents/annual_report.pdf|title=National Merit Scholarship Corporation 2019-20 Annual Report|publisher=National Merit Scholarship Corporation|access-date=2022-12-07}}</ref> The university is [[need-blind]] for domestic applicants.<ref>{{cite web|url=http://www.unc.edu/index.htm|title=The University of North Carolina at Chapel Hill -|publisher=University of North Carolina at Chapel Hill|archive-url=https://web.archive.org/web/20120710042926/http://www.unc.edu/index.htm|archive-date=2012-07-10}}</ref>
===Honor code===

The university has a longstanding [[Academic honor code|honor code]] known as the "Instrument of Student Judicial Governance", supplemented by a mostly student-run honor system to resolve issues with students accused of academic and conduct offenses against the university community.<ref>{{cite web|url=http://honor.unc.edu/|title=The Honor Code|publisher=Honor Court of The University of North Carolina at Chapel Hill|access-date=April 14, 2009|archive-url=https://web.archive.org/web/20090518014711/http://honor.unc.edu/|archive-date=May 18, 2009}}</ref>

In 1974, the Judicial Reform Committee created the ''Instrument of Student Judicial Governance'', which outlined the current honor code and its means for enforcement.<ref name="The Daily Tar Heel">{{cite news |title=A Question of Honor: Honor Code Timeline |url=https://newspapers.digitalnc.org/lccn/sn92068245/2003-09-24/ed-1/seq-5/ |access-date=January 16, 2022 |work=[[The Daily Tar Heel]] |date=September 24, 2003 |archive-date=January 16, 2022 |archive-url=https://web.archive.org/web/20220116101446/https://newspapers.digitalnc.org/lccn/sn92068245/2003-09-24/ed-1/seq-5/ |url-status=live }}<!-- story previously cited as "Change plays key role in Code", a related story adjacent to the "Honor Code Timeline" on the same page --></ref> The creation of the instrument and the judicial reform committee was preceded by a list of "Demands by the Black Student Movement" ([[Black Student Movement|BSM]]) which stated that "[e]ither Black students have full jurisdiction over all offenses committed by Black students or duly elected Black Students from BSM who would represent our interests be on the present Judiciary Courts."<ref>Black Student Movement Demands, December 1968 in the Black Student Movement of the University of North Carolina at Chapel Hill Records #40400, University Archives, The Wilson Library, University of North Carolina at Chapel Hill.</ref> Most academic and conduct violations are handled by a single, student-run honor system. Prior to that time, the [[Dialectic and Philanthropic Societies]], along with other campus organizations such as the men's council, women's council, and student council supported student concerns.<ref>{{cite book |last=Coates |first=Albert |url=https://archive.org/details/storyofstudentgo00coat |title=The Story of Student Government in the University of North Carolina at Chapel Hill |author2=Hall Coates, Gladys |publisher=Professor Emeritus Fund |year=1985 |location=Chapel Hill, NC |page=332 |url-access=registration}}</ref>

===Libraries===
[[File:The Davis Library, UNC Chapel Hill.JPG|thumb|Davis Library]]
[[File:Louis Round Wilson Library.JPG|thumb|right|[[Louis Round Wilson Library]] opened in 1929 and houses special collections .<ref>[http://www.lib.unc.edu/about/pubs/wilson.pdf About UNC Libraries | UNC Chapel Hill Libraries] {{Webarchive|url=https://web.archive.org/web/20100827083618/http://www.lib.unc.edu/about/pubs/wilson.pdf |date=August 27, 2010 }}. Lib.unc.edu. Retrieved on August 9, 2013.</ref>|alt=A large building with six Corinthian columns on the front with the sides being obscured by bushes.]]
UNC-Chapel Hill's library system includes a number of individual libraries housed throughout the campus and holds more than 7.0&nbsp;million volumes in total.<ref>{{cite web|title=The Nation's Largest Libraries: A Listing By Volumes Held {{!}} American Library Association|date=July 7, 2006|url=http://www.ala.org/tools/libfactsheets/alalibraryfactsheet22|access-date=October 20, 2012|archive-url=https://web.archive.org/web/20121014171755/http://www.ala.org/tools/libfactsheets/alalibraryfactsheet22|archive-date=October 14, 2012|url-status=live}}</ref> UNC-Chapel Hill's [[North Carolina Collection]] (NCC) is the largest and most comprehensive collection of holdings about any single state nationwide.<ref>{{cite web|url=http://www.lib.unc.edu/ncc/rl.html|title=The North Carolina Collection Research Library|access-date=April 5, 2008|year=2007|publisher=UNC University Libraries|archive-url=https://web.archive.org/web/20080510124249/http://www.lib.unc.edu/ncc/rl.html|archive-date=May 10, 2008}}</ref> The unparalleled assemblage of literary, visual, and artifactual materials documents four centuries of North Carolina history and culture.<ref>{{cite web |url=http://www.lib.unc.edu/ncc/index.html |title=North Carolina Collection |publisher=Lib.unc.edu |date=July 3, 2012 |access-date=July 10, 2012 |archive-url=https://web.archive.org/web/20120721024213/http://www.lib.unc.edu/ncc/index.html |archive-date=July 21, 2012  }}</ref> The North Carolina Collection is housed in [[Wilson Library]], named after [[Louis Round Wilson]], along with the [[Southern Historical Collection]], the Rare Books Collection, and the [[Southern Folklife Collection]].<ref>{{cite web|url=http://www.lib.unc.edu/wilson/wilson.html |archive-url=https://web.archive.org/web/20080204134745/http://www.lib.unc.edu/wilson/wilson.html  |archive-date=February 4, 2008 |title=Louis Round Wilson Library: An Enduring Monument to Learning |publisher=Lib.unc.edu |access-date=July 10, 2012 }}</ref> The university is home to [[ibiblio]], one of the world's largest collections of freely available information including software, music, literature, art, history, science, politics, and cultural studies.<ref>{{cite web|url=http://www.ibiblio.org/history/index.html|title=ibiblio: Ten Years in the Making|access-date=May 18, 2008|year=2002|publisher=ibiblio|archive-url=https://web.archive.org/web/20081002223211/http://ibiblio.org/history/index.html|archive-date=October 2, 2008|url-status=live}}</ref><ref>{{cite web|last=Carrigan|first=Robert|author2=Milton, Ron|author3=Morrow, Dan|url=http://www.cwhonors.org/laureates/Education/northcarolina.pdf|archive-url=https://web.archive.org/web/20080625151335/http://www.cwhonors.org/laureates/Education/northcarolina.pdf|archive-date=June 25, 2008|title=Education and Academia: ibiblio|year=2005|work=Computerworld Honors Case Study|publisher=Computerworld Honors Program|access-date=June 18, 2008}}</ref>

The Davis Library, situated near the Pit, is the main library and the largest academic facility and state-owned building in North Carolina.<ref name=":1" /> It was named after North Carolina philanthropist [[Walter R. Davis|Walter Royal Davis]] and opened on February 6, 1984. The first book checked out of Davis Library was [[George Orwell]]'s [[Nineteen Eighty-Four|''1984'']].<ref>{{cite web|url=http://www.lib.unc.edu/spotlight/anniversary.html |archive-url=https://web.archive.org/web/20041106014330/http://www.lib.unc.edu/spotlight/anniversary.html  |archive-date=November 6, 2004 |title=Happy Anniversary, Davis Library! |publisher=Lib.unc.edu |access-date=August 10, 2012 }}</ref> The R.B. House Undergraduate Library is located between the Pit area and Wilson Library. It is named after Robert B. House, the Chancellor of UNC from 1945 to 1957, and opened in 1968.<ref>{{cite web |title=Robert B. House (1892-1987) and House Library |url=https://museum.unc.edu/exhibits/show/names/house-library |website=The Carolina Story: A Virtual Museum of University History |access-date=January 16, 2022 |archive-date=January 16, 2022 |archive-url=https://web.archive.org/web/20220116101426/https://museum.unc.edu/exhibits/show/names/house-library |url-status=live }}<!-- prior url: http://www.planroom.unc.edu/Bldg/Detail.asp?id=063&view=main --></ref> In 2001, the R.B. House Undergraduate Library underwent a $9.9&nbsp;million renovation that modernized the furnishings, equipment, and infrastructure of the building.<ref>{{cite web|url=http://www.lib.unc.edu/house/history_and_mission.html |title=R.B. House Undergraduate Library-History and Mission |publisher=Lib.unc.edu |date=August 9, 2010 |access-date=August 10, 2012 |archive-url=https://web.archive.org/web/20120928192959/http://www.lib.unc.edu/house/history_and_mission.html |archive-date=September 28, 2012 |url-status=live}}</ref> Prior to the construction of Davis, Wilson Library was the university's main library, but now Wilson hosts special events and houses special collections, rare books, and temporary exhibits.<ref>{{cite web |url=http://www.lib.unc.edu/overview.html |title=Overview of the UNC Chapel Hill Library System |access-date=April 5, 2008 |year=2007 |publisher=UNC University Libraries |archive-url=https://web.archive.org/web/20080403131928/http://www.lib.unc.edu/overview.html |archive-date=April 3, 2008  }}</ref>

====''Documenting the American South''====<!--Should be a sub-section since it's the target of a redirect.-->
The library oversees '''''Documenting the American South''''', a free public access website of "digitized primary materials that offer Southern perspectives on American history and culture." The project began in 1996.<ref>{{cite web |url=http://docsouth.unc.edu/support/about/ |title=About Documenting the American South |publisher=University of North Carolina at Chapel Hil |access-date=March 20, 2017 |archive-url=https://web.archive.org/web/20170321104454/http://docsouth.unc.edu/support/about/ |archive-date=March 21, 2017 |url-status=live }}</ref> In 2009 the library launched the North Carolina Digital Heritage Center, a statewide digital library, in partnership with other organizations.<ref>{{cite web|archive-url=https://web.archive.org/web/20100612110901/http://digitalnc.org/about |url=http://digitalnc.org/about  |archive-date=June 12, 2010 |title=About DigitalNC |work=Digitalnc.org }}</ref>

===Rankings and reputation===

{{Infobox US university ranking
| QS_W = 132=
| USNWR_NU = 22
| USNWR_W = 41
| THE_WSJ = 33
| THES_W = 72
| ARWU_W = 31
| ARWU_NU = 20
| Forbes = 28
| Wamo_NU = 24
}}

For 2023, ''[[U.S. News & World Report]]'' ranked UNC-Chapel Hill 4th among the public universities and 22nd among national universities in the United States.<ref>{{Cite web |title=US News Best Universities 2022 |url=https://www.usnews.com/best-colleges/rankings/national-universities |access-date=October 6, 2020 |archive-date=February 23, 2017 |archive-url=https://web.archive.org/web/20170223062922/https://www.usnews.com/best-colleges/rankings/national-universities |url-status=live }}</ref> The Wall Street Journal ranked UNC-Chapel Hill 3rd best public university behind [[University of Michigan]] and [[University of California, Los Angeles|UCLA]].<ref>{{Cite news|last=Smith|first=Fleming|date=2019-09-04|title=The Top Public Schools in the WSJ/THE College Rankings|language=en-US|work=[[The Wall Street Journal]]|url=https://www.wsj.com/articles/the-top-public-schools-in-the-wsj-the-college-rankings-11567640004|access-date=2020-08-14|issn=0099-9660|archive-date=August 11, 2020|archive-url=https://web.archive.org/web/20200811060125/https://www.wsj.com/articles/the-top-public-schools-in-the-wsj-the-college-rankings-11567640004|url-status=live}}</ref>

The university was named a [[Public Ivy]] by Richard Moll in his 1985 book ''The Public Ivies: A Guide to America's Best Public Undergraduate Colleges and Universities'', and in later guides by Howard and Matthew Greene.<ref>{{cite book|last=Moll|first=Richard|title=The Public Ivies: A Guide to America's Best Public Undergraduate Colleges and Universities|publisher=Viking|location=New York, NY|year=1985|isbn=0-670-58205-0|url=https://archive.org/details/publicivysguidet0000moll}}</ref><ref>{{cite book|last1=Greene|first1=Howard|last2=Greene|first2=Matthew W.|title=The Hidden Ivies: Thirty Colleges of Excellence|publisher=Cliff Street Books|location=New York, NY|year=2000|isbn=0-06-095362-4}}</ref> 

The university is a large recipient of National Institute of Health grants and funds. For fiscal year 2020, the university received $509.9 million in NIH funds for research. This amount makes Chapel Hill the 10th overall recipient of research funds in the nation by the NIH.<ref>{{cite web |url=https://report.nih.gov/award/index.cfm?ot=&fy=2020&state=&ic=&fm=&orgid=&distr=&rfa=&om=n&pid= |title=NIH Awards |date=October 13, 2020 |access-date=October 13, 2020 |archive-date=August 21, 2021 |archive-url=https://web.archive.org/web/20210821145012/https://report.nih.gov/award/index.cfm?ot= |url-status=live }}</ref>

===Scholarships===
{{see also|Morehead-Cain Scholarship|Robertson Scholars Program}}

For decades, UNC-Chapel Hill has offered an undergraduate merit scholarship known as the [[Morehead-Cain Scholarship]]. Recipients receive full tuition, room and board, books, and funds for summer study for four years. Since the inception of the Morehead, 29 alumni of the program have been named [[Rhodes Scholarship|Rhodes Scholars]].<ref>{{cite web|url=http://moreheadcain.org/about/news/paul_laurence_rhodes_scholars/|archive-url=https://web.archive.org/web/20110822120920/http://moreheadcain.org/about/news/paul_laurence_rhodes_scholars/|archive-date=August 22, 2011|title=Paul Shorkey '11 and Laurence Deschamps-Laporte '11 Named Rhodes Scholars|access-date=November 23, 2010|year=2010|publisher=Morehead–Cain Foundation
}}</ref> Since 2001, North Carolina has also co-hosted the [[Robertson Scholars Program|Robertson Scholars Leadership Program]], a merit scholarship and leadership development program granting recipients full student privileges at both UNC-Chapel Hill and neighboring [[Duke University]].<ref>{{cite web|url=http://robertsonscholars.org/about-us/mission/|title=About Us|year=2013|publisher=The Robertson Scholars Leadership Program|access-date=August 13, 2014|archive-url=https://web.archive.org/web/20140810052255/http://robertsonscholars.org/about-us/mission/|archive-date=August 10, 2014}}</ref> Additionally, the university provides scholarships based on merit and leadership qualities, including the Carolina, Colonel Robinson, Johnston and Pogue Scholars programs.<ref>{{cite web |url=http://studentaid.unc.edu/studentaid/type/ssa_scholarships.html |title=Merit-Based Scholarships |year=2008 |publisher=UNC Office of Scholarships and Student Aid |access-date=May 21, 2008 |archive-url=https://web.archive.org/web/20080321065548/http://studentaid.unc.edu/studentaid/type/ssa_scholarships.html |archive-date=March 21, 2008   }}</ref>

In 2003, Chancellor [[James Moeser]] announced the Carolina Covenant, wherein UNC offers a debt free education to low-income students who are accepted to the university. The program was the first of its kind at a public university and the second overall in the nation (following [[Princeton University]]). About 80 other universities have since followed suit.<ref>{{cite news|first=Mary Beth|last=Marklein|url=https://www.usatoday.com/news/education/2006-09-26-covenent-loans_x.htm|title=Right to an education bound in a Covenant|date=September 26, 2006|location=McLean, VA|work=USA Today|access-date=July 11, 2008|archive-url=https://web.archive.org/web/20081007005033/http://www.usatoday.com/news/education/2006-09-26-covenent-loans_x.htm|archive-date=October 7, 2008|url-status=live}}</ref>