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FinAid, Loans, Graduate and Professional Student PLUS Loans, graduate loans.#Graduate #loans


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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.


Graduate Studies – Stipend Rates, graduate loans.#Graduate #loans


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2017-2018 Stipend Rates

Stipends for Graduate Student Assistants (GSA), Teaching Assistants (TA), and Teaching Fellows (TF)

The one-term stipend rates, effective September 1, 2017, for the 2017-2018 academic year are below.

For more information on TAs/TFs/GSAs, see the TA/TF/GSA Policy Statement.

Stipends for Graduate Student Researchers (GSR)

Based on the rates for TA/TF/GSAs, the GSRs will range from:

The minimum figure is set at the rate for a Graduate Student Assistant. The maximum is slightly higher than the Teaching Fellow stipend.

For more information on GSRs see the GSR Policy Statement.

Contact directly the school or program you are interested in to determine award availability.

HELPFUL LINKS

Graduate loans


Private Student Loans for Undergraduate and Graduate Students, SunTrust Student Loans, graduate loans.#Graduate #loans


graduate loans

  • Graduate loans

Having trouble repaying student loans?

Consider these simple solutions that may help.

  • Graduate loans

    Scholarship Sweepstakes

    High school seniors and current college students can enter for a chance to win a $500 scholarship! No purchase necessary. Terms apply.

  • Graduate loans

    Servicemembers Civil Relief Act (SCRA)

    What protections are available for Servicemembers.

    Education Center

    Paying for college can be a challenge. SunTrust can help navigate the options.

    Before you look into paying for your college expenses, it’s important to know how much money you’ll need. Our money management resources, tools, and budgeting tips can help.

    Use our college tuition guide and step-by-step guide to paying for college for planning advice on how to avoid getting too over-burdened with debt before you’ve earned a degree.

    Before you get a loan, we encourage you to try getting scholarships and grants first. Our list of online resources can help. You can also register for the SunTrust Off to College Scholarship Sweepstakes (see Official Rules for details).

    Tools and Calculators

    • Contact

    SunTrust Education Lending | 1001 Semmes Avenue, Mail Code: RVW 7076 | Richmond, VA 23224

    SunTrust Bank, Member FDIC. 2017 SunTrust Banks, Inc.

    SunTrust and Custom Choice Loan are federally registered service marks of SunTrust Banks, Inc.

    SunTrust recommends comparing all aid alternatives including grants, scholarships, and federal student loans, prior to applying for a private student loan. Before selecting a private student loan, compare options offered by SunTrust.

    Union Federal is a federally registered trademark of Cognition Financial Corporation used by SunTrust Bank under license. The Union Federal Private Student Loan is funded by SunTrust Bank and is not affiliated with any other lender. Certain restrictions and limitations may apply. SunTrust Bank reserves the right to change or discontinue this program without notice. This loan program is subject to approval under the SunTrust credit policy and other criteria and may not be available in certain jurisdictions. SunTrust is a federally registered service mark of SunTrust Banks, Inc. Cognition Financial Corporation is not an affiliate of SunTrust Bank.

    1 Interest rate reductions offered for automatic payment from a bank account: 0.25% interest rate reduction for ACH payment from any bank account and an extra 0.25% interest rate reduction when ACH payments are made from a SunTrust Bank account. ACH interest rate reduction(s) apply when full payments (including both principal and interest) are automatically drafted from a bank account. Interest rate reduction(s) will remain on the account unless (1) the automatic deduction of payments is stopped (including times during deferment or forbearance) or (2) there are three automatic deductions returned for insufficient funds within the life of the loan. The additional SunTrust Bank account ACH interest rate reduction is available for loans first disbursed on or after 6/1/11 and will be applied after the first automatic payment is successfully deducted from a SunTrust Bank checking, savings or money market account and will be removed for the reasons stated above or if you close your SunTrust Bank account. In the event the benefit(s) is removed, the interest rate stated in the Credit Agreement shall be applied in accordance with the terms of the Credit Agreement.


  • Private Student Loans for Undergraduate and Graduate Students, SunTrust Student Loans, graduate student loans.#Graduate #student #loans


    graduate student loans

    • Graduate student loans

    Having trouble repaying student loans?

    Consider these simple solutions that may help.

  • Graduate student loans

    Scholarship Sweepstakes

    High school seniors and current college students can enter for a chance to win a $500 scholarship! No purchase necessary. Terms apply.

  • Graduate student loans

    Servicemembers Civil Relief Act (SCRA)

    What protections are available for Servicemembers.

    Education Center

    Paying for college can be a challenge. SunTrust can help navigate the options.

    Before you look into paying for your college expenses, it’s important to know how much money you’ll need. Our money management resources, tools, and budgeting tips can help.

    Use our college tuition guide and step-by-step guide to paying for college for planning advice on how to avoid getting too over-burdened with debt before you’ve earned a degree.

    Before you get a loan, we encourage you to try getting scholarships and grants first. Our list of online resources can help. You can also register for the SunTrust Off to College Scholarship Sweepstakes (see Official Rules for details).

    Tools and Calculators

    • Contact

    SunTrust Education Lending | 1001 Semmes Avenue, Mail Code: RVW 7076 | Richmond, VA 23224

    SunTrust Bank, Member FDIC. 2017 SunTrust Banks, Inc.

    SunTrust and Custom Choice Loan are federally registered service marks of SunTrust Banks, Inc.

    SunTrust recommends comparing all aid alternatives including grants, scholarships, and federal student loans, prior to applying for a private student loan. Before selecting a private student loan, compare options offered by SunTrust.

    Union Federal is a federally registered trademark of Cognition Financial Corporation used by SunTrust Bank under license. The Union Federal Private Student Loan is funded by SunTrust Bank and is not affiliated with any other lender. Certain restrictions and limitations may apply. SunTrust Bank reserves the right to change or discontinue this program without notice. This loan program is subject to approval under the SunTrust credit policy and other criteria and may not be available in certain jurisdictions. SunTrust is a federally registered service mark of SunTrust Banks, Inc. Cognition Financial Corporation is not an affiliate of SunTrust Bank.

    1 Interest rate reductions offered for automatic payment from a bank account: 0.25% interest rate reduction for ACH payment from any bank account and an extra 0.25% interest rate reduction when ACH payments are made from a SunTrust Bank account. ACH interest rate reduction(s) apply when full payments (including both principal and interest) are automatically drafted from a bank account. Interest rate reduction(s) will remain on the account unless (1) the automatic deduction of payments is stopped (including times during deferment or forbearance) or (2) there are three automatic deductions returned for insufficient funds within the life of the loan. The additional SunTrust Bank account ACH interest rate reduction is available for loans first disbursed on or after 6/1/11 and will be applied after the first automatic payment is successfully deducted from a SunTrust Bank checking, savings or money market account and will be removed for the reasons stated above or if you close your SunTrust Bank account. In the event the benefit(s) is removed, the interest rate stated in the Credit Agreement shall be applied in accordance with the terms of the Credit Agreement.


  • FinAid, Loans, graduate student loans.#Graduate #student #loans


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    An education loan is a form of financial aid that must be repaid, with interest. Education loans come in three major categories: student loans (e.g., Stafford and Perkins loans), parent loans (e.g., PLUS loans) and private student loans (also called alternative student loans). A fourth type of education loan, the consolidation loan, allows the borrower to lump all of their loans into one loan for simplified payment. A recent innovation is peer-to-peer education loans.

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    Grants, scholarships, work-study and other forms of gift aid just do not cover the full cost of a college education. Many students find that they must supplement their savings with government and private loans. The Federal education loan programs offer lower interest rates and more flexible repayment plans than most consumer loans, making them an attractive way to finance your education. You can also deduct up to $2,500 in student loan interest even if you don’t itemize deductions on your income tax return.


    Graduate School Programs – Charleston Southern University, graduate school loans.#Graduate #school #loans


    The Graduate School

    Master of Arts in Organizational Leadership

    The Master of Arts in Organizational Leadership program is designed to develop effective leaders from all educational and professional backgrounds, emphasizing moral character, integrity and skill in leading others. Our courses are designed to help students mature as people of influence through theory, practice, introspection and challenging experiences. Whatever your life’s work, leadership development will enhance your effectiveness. This program is essential for leaders in business, nonprofit, the military and ministry.

    Master of Athletic Training

    The Master of Athletic Training (M AT) degree program is a professional master’s degree for the profession of athletic training. The degree program will be 24 months in duration, totaling 52 academic credits. The curriculum will include 13 didactic courses, 7 clinical practice courses and one clinical residency course in athletic training. The program plans to admit a maximum cohort of 16 students annually. The curriculum will be mostly a face-to-face model (residential graduate program) with some online courses. During the last semester of the program, if eligible, a student will be to sit on the Board of Certification exam. Passing of this exam is needed to be able to be employed as a certified athletic trainer.

    Master of Medical Science in Physician Assistant Studies

    Charleston Southern University is developing a Master of Medical Science in Physician Assistant Studies (MMSPAS) Program. The program will consist of didactic and clinical academic work over the course of 24 months or 6 continuous semesters. Graduates of the program will be eligible to sit for the national certification examination for physician assistants through the National Commission on the Certification of Physician Assistants (NCCPA) and will be able to apply for licensure through the Board of Medical Examiners in the state in which they wish to practice medicine.

    Master of Science in Organizational Management

    The Master of Science in Organizational Management degree is designed to provide an advanced understanding of the process of organizing, planning, leading and controlling an organization’s resources with the overall aim of effectively and efficiently achieving its objectives.

    Master of Science in Analytics

    Master of Science in Project Management

    Master of Science in Supply Chain Management

    Master of Business Administration

    The Master of Business Administration is designed to provide students with an opportunity to advance their business studies as they relate to the changing forces within the business community while the United States and other nations enter a world of global competition and international business relationships. This program has been developed to present challenges to students in all business activities in order to enhance students’ capabilities as leaders in business, government and industry.

    Master of Science in Computer Science

    The Master of Science in Computer Science degree is designed to provide an advanced understanding of the technical fundamentals of computer science architecture, database, networking and software engineering. The program of study is designed to enhance professional development for those currently working in the field while providing advanced skills and knowledge to those seeking employment in the field.

    Master of Science in Nursing

    The Master of Science in Nursing program is a faith-based graduate nursing program that prepares nurses to serve in advanced nursing roles within the healthcare community. The program operates on a cohort model in a web-based format where students take courses one at a time over a 5 week period. The program may be completed in 16 months taking three courses per semester. Part-time options are also available.

    Master of Science in Criminal Justice

    The Master of Science in Criminal Justice degree is designed to provide an advanced understanding of the nature of crime and society’s reaction to it, while gaining a higher level of expertise in the various components of the criminal justice system. The program enhances professional development for those currently working in the field and provides advanced skills and knowledge to those seeking employment, law or doctoral degree. Reflected in the program of study is a commitment to the highest ethical, intellectual and social values.

    Master of Science in Biology

    The Master of Science in Biology degree is designed to provide an advanced understanding of the knowledge of biological theory, lab techniques, and experimental design. The program’s design requires a minimum of 30 credit hours to complete, and can be accomplished in one year’s time. This non-thesis master’s degree program is intended to enhance professional development for those currently working in the life sciences discipline while providing advanced skills and knowledge to those seeking employment in the field. The foundation of this program is a commitment to the development of individuals with the highest ethical, intellectual and social values who will integrate Biblical principles and truths while serving as leaders in the life science field. The Master of Biology degree program and curriculum is currently under review for final approval from SACSCOC.

    Master of Science in Human Resource Management

    The Master of Science in Human Resource Management (HRM) provides current and aspiring HRM practitioners with the theoretical and practical tools necessary to practice effectively in the field and to prepare for HRM professional certification testing. The program was created with working professionals in mind offering courses online and in the evening.

    Master of Education

    The Master of Education program prepares current professional educators and administrators who are competent, caring and committed to educating an increasingly diverse student body to higher academic standards in P-12 schools. The scope and sequence of courses are designed to enhance current teaching practices and preparation for instructional leaders who will design programs and practices that increase student learning. A mixture of evening and hybrid/weekend courses is designed to work with the educator’s schedule.

    Master of Science in Counseling Psychology

    The Master of Science in Counseling Psychology program educates compassionate and highly motivated individuals to provide client-centered healthcare, practice as agents of change, serve as leaders in the community and advance the mental health profession. Coursework is consistent with Licensed Professional Counselor (LPC) licensure requirements in South Carolina.

    Graduate school loans


    Loans online, Compare our loans, Barclays, graduate loans.#Graduate #loans


    Compare our loans

    We could help you borrow what you need – when you need it

    A Barclayloan is a simple way to borrow, with a fixed interest rate that’s personal to you. We could tell you what your loan rate is before you apply – without it affecting your credit score.

    All loans are subject to status. Early settlement fees apply.

    ✔ Get your personal price quote

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    over 2-5 years. (Your rate may differ 2 )

    Borrowing to suit you

    Whether you’d like a loan to finance home improvements, consolidate debts or simply buy something special, we’ve got borrowing options to suit you. Subject to status.

    Graduate loans

    Car loan

    Driving a better deal with a loan

    When it comes to buying your next car, knowing you’ve got the money in your back pocket can help you get a better deal.

    Loans are subject to status. Early settlement fees apply.

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    Debt consolidation loans

    All your debts in one manageable loan

    If you’ve borrowed from different lenders, a debt consolidation loan could help you take control of your finances and keep track of your money.

    Loans are subject to status. Early settlement fees apply.

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    Home improvement loan

    Spruce up your property

    Whether you’d like a new kitchen, or want to give your lounge a new lease of life, this loan is designed to help you get more from your property.

    Loans are subject to status. Early settlement fees apply.

    Other borrowing options

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    Barclaycard

    Choose from our range of credit cards, which include cards for everyday purchases and balance transfers.

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    Top-up loan

    Already have a Barclayloan but could do with a little more? You may be able to top it up or get an additional loan.

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    Premier Barclayloan

    Exclusively available to Premier customers. See what your loan could look like with a personalised quote.

    Looking for some help?

    Whether you’re wondering if you can get a loan or how to get out of debt, our guides are here to help.

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    What is a credit rating

    Discover how to improve yours

    Learn why your credit rating is important, and how to improve it so you’re more likely to be considered for credit in future.

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    Money worries

    Concerned about your finances?

    If your finances are under pressure and you’re struggling to pay the bills, see what we can do for you.

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    Find the best loan for you

    Learn about secured and unsecured loans

    This guide to borrowing covers some of the key factors you should consider when choosing the best loan for your needs.

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    Understanding loan rates

    We explain what APR means – and the difference between representative and personal APR.

    Talk to us about loans

    Graduate loans

    Over the phone

    If you have any questions, you can speak to a lending specialist on 0800 716 5982 3 .

    Graduate loans

    Visit us in branch

    We’re on hand if you’d like to discuss your options in person. You can find your nearest branch and opening times here.

    Important information

    If you apply online, and your application is approved, providing you can print or download your agreement and sign it online between 7am and 10:30pm (on any day), the money is usually transferred to your Barclays current account instantly or within a few hours if you bank with one of the main UK high street banks. Sign online after 10:30pm and it will usually be transferred by 9am the next day.

    The rate you’re offered may differ from the representative APR shown – and will be based on your personal circumstances, the loan amount and the repayment term. The Barclayloan advertised here is available over terms of between 2 to 5 years, with a maximum APR of 26.9%.

    Lines are open Monday to Sunday 8am to 9pm, and bank holidays 8am to 6pm. To maintain a quality service, we may monitor or record phone calls. Call charges.

    Barclays Bank PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 122702). Barclays Bank PLC adheres to The Standards of Lending Practice which is monitored and enforced by The Lending Standards Board. Further details can be found at www.lendingstandardsboard.org.uk. Barclays Insurance Services Company Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number: 312078).

    Barclays Bank PLC. Registered in England. Registered no. 1026167. Barclays Insurance Services Company Limited. Registered in England. Registered no. 973765. Registered office for both: 1 Churchill Place, London E14 5HP. ‘The Woolwich’ and ‘Woolwich’ are trademarks and trading names of Barclays Bank PLC. Barclays Business is a trading name of Barclays Bank PLC.

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    Student loans should be renamed – graduate contribution – tax, universities minister suggests, graduate student loans.#Graduate #student #loans


    Student loans should be renamed ‘graduate contribution’ tax, universities minister suggests

    S tudent loans should be renamed “graduate contribution” tax, the universities minister Jo Johnson has suggested.

    Addressing a Tory party conference fringe event, Mr Johnson said that the Government needs to work on the language around student loans, so that young people do not feel as though they are getting a bad deal.

    He said that he is “in agreement” with Martin Lewis, the founder of MoneySavingExpert.com, who has long campaigned for the re-naming of student loans.

    Mr Johnson told the event: “I think [Martin Lewis is] absolutely right, this should be seen best as a graduate contribution.

    “It is clearly a time-limited graduate contribution, because it only lasts 30 years and it’s also an income-link time-limited graduate contribution.

    “So I think we do need to work on the language and cease to use the terminology of debt and loans, and it has to be understood as a time-limited and income-link graduate contribution that people are making.

    M r Lewis told the fringe event that the language of debt is “psychologically damaging” and misleading .

    He added: “For over 20 years we have educated our youth into what we call a debt, and we have never educated them about debt properly.

    My big ask, if you want to fix this, if you want to stick with this system? Get rid of the name of debt. This in every other country is called a graduate contribution system.

    Ahead of the conference, Prime Minister Theresa May announced that the repayment threshold for student loans will be raised to £25,000.

    She announced a freeze on tuition fees at £9,250 a year and a rise in the level of earnings at which student loans begin to be paid back, saving almost a million graduates £360 a year.

    T he announcements were designed to appeal to younger voters who voted for Jeremy Corbyn at the last election.

    On Tuesday the Institute of Fiscal Studies (IFS) said that the decision to increase the threshold for repaying student loans is a big and expensive giveaway to graduates which will raise the cost of higher education to the taxpayer by 40% over the long run.

    In a new analysis, the think-tank found that raising the repayment threshold from £21,000 to £25,000 will save some graduates up to £15,700 over a lifetime, but will add £2.3 billion to the annual cost of the sector to the taxpayer over the long term.

    The freeze on tuition fees in England will have a much smaller impact in the short term, but will be unsustainable in the long term, the report warned.

    Freezing fees at £9,250 will reduce the debt of students coming into the system by just £800 and will save the Government £300 million, it added.


    Student loans mythbusting: The truth about uni fees, loans & grants, graduate student loans.#Graduate #student #loans


    Student Loans Mythbusting

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    Graduate student loans

    Updated October 2017

    Graduate student loans Ignore newspaper headlines about students leaving university with Ј50,000 of debt. That’s a mostly meaningless figure. What counts is how much you’ll repay; for some that’s far more, for others it’s free.

    This guide is written to bust common myths about student loans, grants and finance, including the 20+ key facts every potential student, parent and grandparent should know.

    20+ student loans mythbusting tips, including.

    Graduate student loans

    Recently graduated and worried about the interest?

    Read Martin’s “Student loan interest’s rising to 6.1% – should you panic or pay it off?” guide

    Before we start, I’d just like to say:

    For 23 years we educated our youth into debt when they go to university, but never about debt.

    It was for this reason, and while no fan of them, when massive changes were announced to student finance for those starting in 2012 or beyond – including the trebling of tuition fees – I agreed to head up a student finance taskforce. The idea was to work with the National Union of Students, universities and colleges to ensure we busted the myths and misunderstandings that resulted from so much political spittle-flying.

    Don’t confuse the cost and the price tag

    Graduate student loansWith headlines shouting about Ј50,000 student debt and that getting bigger as living loans increase in 2017, it’s safe to say many students and parents are scared by this huge sum – and worry about how they’ll ever repay it.

    But in essence that fear is misplaced. That’s because the price tag of university is mostly irrelevant. What matters in practical terms is how much you have to repay – and that’s a completely separate number from the total amount of tuition fees, maintenance loan and interest, because it all depends on what you would pay.

    What you repay solely depends on what you earn after university. In effect this is, financially at least, a ‘no win, no fee’ education. Those who earn a lot after graduating or leaving university will repay a lot. Those who don’t gain too much financially from going to university will repay little or nothing.

    This guide applies to the system started in England Wales in 2012

    If you started before that you’re on a different system; please see the Should I repay my student loan? guide for full info on past loan systems.

    You don’t need the cash to pay for university

    It ISN’T a case of ‘pay up or you can’t go’. Once your application has been processed, tuition fees are automatically paid by the Student Loans Company. And there is a loan for living costs too.

    Of course you don’t have to take these loans, you could pay the tuition fees directly. Yet as you’ll see (in point 15) that’s often a bad idea.

    However, some students won’t get the same support as the majority.

    If you already have a higher education qualification

    If you already have a higher education qualification you’re unlikely to be able to borrow the money. Included within undergraduate courses are Higher National Diploma/Certificate courses and certain teacher training courses such as the PGCE.

    If you’re wanting to study health care or medicine?

    The Chancellor announced an overhaul to the existing grants system for student nurses in his Autumn Statement in November 2015.

    From academic year 2017/18, student nurses will no longer receive grants and will instead apply for student loans, which the Government says means they’ll get more to live on than they’d get through the grants system.

    The amount students will get depends on whether they live inside or outside London and whether they are living at home.

    Taking into account a long-course allowance, the maximum a student would get living outside London and not at home is Ј10,092.

    Nurses who have already started their studies will continue to get grants and nursing students who’d already applied for grants for the 2016/17 academic year would also have received these.

    When nurses leave their studies and start to repay their loans, it will be under the normal loan repayment system described in this guide, meaning they will repay 9% of everything they earn above Ј21,000. The starting salary for a nurse is Ј21,600, so in the first year they will pay about Ј54 towards their student loan.

    How the system currently works

    Medical and health care students get support from the NHS bursary scheme, where they’ll also get an additional NHS grant and maintenance loan from Student Finance England. The amounts and rules are different depending on the course.

    Undergraduate medical or dental students on five/six-year courses will have all tuition fees paid in their fifth and final years. Those on four-year courses must contribute Ј3,465 to their first-year fees, then receive Ј3,465 in years two, three and four as a bursary. Both will then be able to apply for a student loan for the remainder of their fees (eg, undergrad med student can apply for a loan for one to four years).

    Graduates on the four-year accelerated medicine programme will have to fund the Ј3,465 tuition fee for all the years themselves. Eligible students can apply for a loan up to Ј5,535 to cover the remaining tuition fees.

    You must reapply every year for the NHS bursary, and applications have to be received within six months of the first day of the academic year.

    Fees for suitable non-medical courses, eg, physiotherapy, nursing and midwifery, are usually paid directly by the NHS so eligible students will not be required to pay tuition fees.

    They will also be eligible for a Ј1,000 grant, means-tested bursary up to Ј4,395 (Ј5,460 in London, Ј3,351 if living at home, less for courses under 30 weeks each academic year) and a non-means-tested maintenance loan of up to Ј2,324 (Ј3,263 London, Ј1,744 home; all are reduced in final year of study).

    If you’re a Muslim student

    Muslim students in England are set to be able to get alternative student finance acceptable under Sharia, although there is no news on when this will be made available. We’ll update the guide as soon as we know more.


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    Federal Direct Loans

    A Direct Loan is a federally guaranteed loan. Graduate level students are only eligible for Federal Unsubsidized Loans beginning with the 2013-14 Academic Year. An unsubsidized loan is a loan in which the government does not waive the interest and it does accrue while the student is in school. You will have the option to pay this interest or to have it capitalized. The principle loan payments are deferred while a student is enrolled at least half-time and repayment on the loans does not start until 6 months after the student drops below half-time enrollment, graduates or withdraws.

    • A graduate level student may be eligible $20,500 in unsubsidized loans per academic year.
    • The current interest rate on a Direct Unsubsidized Loan is 5.41% with an origination fee of 1.072%

    To qualify for this loan, you must file a FAFSA. The Unsubsidized Loan is a non-need based loan and the majority of students will be eligible for this loan. Once we have reviewed your FAFSA information, this loan will be listed on your award letter.

    To complete the application process as a first time borrower, you will need to complete a Direct Loan Master Promissory Note and complete Direct Loan Entrance Counseling. Visit www.studentloans.gov and sign in to complete the process.

    Federal Direct Grad Plus Loan

    The Federal Grad Plus Loan is a federal loan with a fixed interest rate of 6.41% with an origination fee of 4.2880%. You must file a FAFSA and borrow the maximum amount of loan through the Direct Loan program before you will be eligible for a Grad Plus. This loan is also based on your credit history, so it is possible that you may be required to have a co-borrower.

    Payments on this loan may be deferred while you are in school and enrolled at least half-time in a graduate program (5 hours per semester during Fall and Spring terms and 3 hours during the summer term). Interest does accrue on this loan during the deferment period. There is no grace period for the Grad Plus loan. It will go into repayment as soon as you drop below half-time enrollment, graduate, or withdraw from school.

    • The maximum a student may borrow in this program is your cost of attendance minus other financial aid you have received. If you are unsure of the amount you are eligible for, contact our office for help
    • To apply for a Federal Grad Plus Loan you will need to sign in and complete the PLUS Request Process at www.studentloans.gov.
      • If approved, you will need to complete a Grad PLUS Master Promissory Note AND Grad PLUS Loan Entrance Counseling at www.studentloans.gov
      • The MPN and Entrance Counseling only need to be completed the first time you are applying for the Grad PLUS Loan and it is not necessary to complete in subsequent years. However, you do need to Apply for the Loan each year you wish to receive it.