Federal Graduate PLUS Loan


  • Student must have a completed FAFSA on file.
  • Student must be enrolled at least half-time; 4.5 credits or 4.0 credits if you are advanced to candidacy (reduced registration).
  • Student must be able to pass a credit check.  Students with adverse credit may apply, but must have a co-signer.
  • Student must exhaust all Direct loan eligibility before borrowing a Graduate PLUS loan.
  • Student must be in good standing with the Financial Aid Office, which may be a different standing than with the university.


To receive a Graduate PLUS Loan a student must follow:


  • Repayment begins on the date the loan is fully disbursed; the first payment is due within 60 days of the last disbursement.
  • Payment can be deferred if the student borrower is enrolled at least half-time.  A student may defer repayment for an additional six months after they are no longer enrolled at least part-time.

Other Important Information

  • If you are denied a Direct Graduate PLUS Loan you may add an endorser.  The endorser application and instructions are available at studentloans.gov
  • Interest on a Direct Graduate PLUS Loan will begin accruing at the time of each disbursement.
  • There are no annual or aggregate borrowing limits for Direct PLUS Loans.
  • Graduate PLUS Loan funds will first be applied to the student's school account to pay their tuition, fees and other charges.  If any loan funds remain, a refund may be requested through the Cashier Office.