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Financial Aid: Federal Graduate PLUS Loan

The Federal Graduate PLUS Loan is an educational loan for regularly-admitted graduate students enrolled and verified in at least half-time attendance. Half-time enrollment is at least three credit hours. Financial need is not a requirement; however, a credit check is required. Graduate students must have utilized all of their Federal Direct Loan eligibility before eligibility for a Federal Graduate PLUS Loan can be determined. All loan eligibility is based on the Cost of Attendance minus other aid received. Students may apply for the PLUS loan at

The interest rate for Federal Graduate PLUS Loans is fixed at 6.31%. There is a 4.276% loan origination fee on all Direct PLUS Loans. The fee will be proportionately deducted from each loan disbursement. The interest rates and origination fees for federal loans are determined by federal law.

The first payment is due 60 days after the loan is disbursed or six months after the student graduates or drops below a half-time status.  The deferment options may be specified in the application process.

Federal Graduate PLUS Loan funds are credited to the student's account once the funds are delivered electronically to the school.

ALL students requesting loans must complete the student financial aid application process (FAFSA).

All approved applicants must complete a Master Promissory Note and PLUS loan counseling at