ATLANTA -- Time is running out for almost 20,000 Georgia flood victims who picked up applications for low-interest loans but have not returned them, federal officials said Thursday.

The loans are available for victims of the record September rains that caused heavy flooding.

Richard Daigle, spokesman for the Small Business Administration, said applications must be postmarked by Monday, Nov. 23.

The loans cover losses not covered by flood insurance or federal grants. So far, the SBA has approved more than $40 million in disaster loans related to the flood.

If the SBA does not approve a homeowner or renter for a loan, the person could get more Federal Emergency Management Agency grant money. The maximum FEMA grant is $30,300.

Time is running out for almost 20,000 Georgia flood victims who picked up applications for low-interest loans but have not returned them, federal officials said Thursday.

The loans are available for victims of the record September rains that caused heavy flooding.

Richard Daigle, spokesman for the Small Business Administration, said applications must be postmarked by Monday, Nov. 23.

The loans cover losses not covered by flood insurance or federal grants. So far, the SBA has approved more than $40 million in disaster loans related to the flood.

If the SBA does not approve a homeowner or renter for a loan, the person could get more Federal Emergency Management Agency grant money. The maximum FEMA grant is $30,300.

To apply for flood aid from FEMA, log on to FEMA’s Web site.

For other flood assistance links, log on to CBSAtlanta.com's weather page.