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(AP) -- Federal officials say time is running out for almost 20,000 Georgia flood victims who picked up applications for low-interest loans but have not returned them. 

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

Richard Daigle, spokesman for the Small Business Administration, says 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.

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