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Federal Direct Graduate PLUS Loans

Graduate and professional degree students, enrolled at least half-time, are eligible to apply for Federal Direct Graduate PLUS Loans. These loans are processed through the U.S. Government and allow you to borrow up to the cost of attendance for the year, minus any other financial aid received.


  • Have completed your Free Application for Federal Student Aid (FAFSA).
  • Must be enrolled in a graduate degree or approved certificate program.
  • Must also have applied for an annual loan maximum eligibility under the William D. Ford Direct Student Loan Program before applying for a Federal Direct Graduate PLUS Loan.
  • Must be credit-worthy and have no adverse credit history.

How to Apply

PLUS applications submitted prior to January 1 each year will be processed as two-semester (fall and spring) loan periods. PLUS applications submitted after January 1 will be processed as a one-semester (spring only) loan period. Please keep this in mind when determining the amount to borrow.

To avoid disbursement delays and an additional credit review, we recommend that PLUS borrowers complete the application process no earlier than June 15 for fall/spring term (academic year) loans, and November 15 for spring term loans.

More on Graduate PLUS Loans

Loan Repayment Calculator

Contact Us

Student Financial Services

McSpedon Hall, Second Floor

Monday-Friday, 9 a.m. - 5 p.m.
Tuesdays, 9 a.m. - 6:30 p.m.

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In-person and phone appointments can be made via AppointmentPlus.