Graduate Student Financial Support for Continuing Students 2025

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The U.S. Department of Education makes Direct PLUS Loans to eligible graduate or professional students through schools participating in the Direct Loan Program. (We also offer Parent PLUS loans.) A Direct PLUS Loan is commonly referred to as a grad PLUS loan when made to a graduate or professional student.
Graduate certificates are NOT eligible for FAFSA but if enrolled in a Masters degree program, students can apply for FAFSA and be eligible for unsubsidized student loans. Graduate programs are no longer eligible for subsidized loans.
Completing the Free Application for Federal Student Aid (FAFSA) form is free, and its easy to apply. You can complete the application at fafsa.gov. In almost all cases, graduate or professional students are considered independent students for the purposes of completing the FAFSA form.
As soon as a student has received a bachelors degree, the student is no longer eligible for further Federal Pell Grants. However, if a student has received one or more certificates and/or associates degrees, but has not yet received a bachelors degree, they can continue receiving the Federal Pell Grant.
Even if you have already earned a masters degree or completed graduate or professional level credentials, you are awarded financial aid based on the level of program you are currently attending.
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If you take continuing education classes to meet prerequisite requirements prior to pursuing a degree, you may qualify for limited forms of federal government assistance. Some professional development and certificate programs are eligible for federal financial aid, but many do not qualify.

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