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Note: Before applying for a grad PLUS loan, you must complete the FAFSA form.
Graduate PLUS Loans are unsubsidized loans made to graduate students based on the students credit history.
Unlike federal Direct unsubsidized loans, graduate PLUS loans require evidence that you dont have an adverse credit history. If you have a poor credit history, you may be required to find an endorser (the federal equivalent of a cosigner) with a better credit history.
Yes. Direct PLUS Loans are made to graduate or professional students and to parents of dependent undergraduate students. Like other Direct Loans, Direct PLUS Loans are eligible for PSLF. However, there are additional factors to consider if you are a parent who has taken out a PLUS loan.
The graduate student borrower may borrow up to the total estimated cost of attendance minus any other financial aid received. Graduate students must confirm their eligibility for the Grad PLUS loan by completing a separate Direct Grad PLUS application.

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Grad PLUS Loan limits Unlike other types of federal student loans, Grad PLUS Loans dont have a specific limit on how much you can borrow per year, nor do they have an aggregate limit. Instead, you might be able to borrow up to your schools certified cost of attendance, minus other financial aid youve received.
To check the status of your PLUS loan application, contact the Federal Student Aid Information Center at 1-800-433-3243, or initiate a chat on StudentAid.gov. Was this page helpful? When will I receive my financial aid? How do I view my Student Aid Report (SAR)?
Be a graduate or professional student enrolled at least half-time at an eligible school. Be enrolled in a program leading to a degree or certificate. Not have an adverse credit history.