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Graduate and Professional Student PLUS Loans

PLUS loans are available to graduate and professional students as well as parents. These federally guaranteed loans can help cover the cost of continuing education.

The main difference between the Graduate and Professional Student PLUS Loan (“Grad PLUS”) and the Parent PLUS Loan is that graduate and professional students who are denied a PLUS loan because of an adverse credit history will not be eligible for increased Stafford Loan limits.

The Graduate and Professional Student PLUS loan will not reduce eligibility for the Stafford Loan, but the PLUS loan limit will take the amount borrowed under the Stafford Loan into account. The PLUS loan is limited to cost of attendance minus aid received, as certified by the school.


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