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This document outlines eligibility, application processes, and repayment terms for Direct PLUS Loans available to graduate students to cover education expenses.
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How to fill out Direct PLUS Loans for Graduate Students

01
Visit the Federal Student Aid website.
02
Log in using your FSA ID.
03
Select 'Apply for a Direct PLUS Loan.'
04
Choose 'Graduate or Professional' when asked about the type of loan.
05
Fill out the required personal and financial information.
06
Indicate the amount you wish to borrow.
07
Sign the Master Promissory Note (MPN) electronically.
08
Submit your application and await confirmation from your school.

Who needs Direct PLUS Loans for Graduate Students?

01
Graduate students pursuing advanced degrees who need additional financial support beyond federal student loans.
02
Students enrolled in eligible programs that do not cover the full cost of attendance.
03
Post-baccalaureate students who are pursuing teacher certification or non-degree programs.
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But during the Direct PLUS Loan Application process, you'll go through a credit check to confirm one specific requirement: not having an adverse credit history. a recent bankruptcy discharge, tax lien, wage garnishment, or foreclosure.
Generally, you must have a good credit history to qualify for the Direct Grad PLUS Loan. Your credit worthiness is determined by the U.S. Department of Education. The U.S. Department of Education will not share or send your credit information to ASU.
You can get a PLUS loan even if you have a bad credit score, so long as you don't have an adverse credit history (i.e., no more than 90 days late on any debt and no defaults, bankruptcies or other adverse action on any Title IV debt).
Direct PLUS Loans are federal loans that graduate or professional students and parents of dependent undergraduate students can use to help pay for college or career school. PLUS loans can help pay for education expenses not covered by other financial aid.
Because there is no Grad PLUS Loan credit score requirement, it can be tempting just to get this loan, especially if you already have other federal student loans. However, the interest rate might be higher, and you will pay origination fees.
For Grad PLUS Loans: The borrower must be a graduate or professional student enrolled at least half-time. The borrower must be a U.S. citizen or eligible non-citizen. Must not have an adverse credit history (no minimum credit score required).
But during the Direct PLUS Loan Application process, you'll go through a credit check to confirm one specific requirement: not having an adverse credit history. a recent bankruptcy discharge, tax lien, wage garnishment, or foreclosure.

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Direct PLUS Loans for Graduate Students are federal loans that graduate or professional students can use to help pay for their education. These loans are designed to cover the difference between the cost of attendance and other financial aid received.
Graduate or professional students who need additional funding to cover their educational expenses beyond what they receive from other financial aid sources are required to file for Direct PLUS Loans.
To fill out Direct PLUS Loans for Graduate Students, students must complete the Free Application for Federal Student Aid (FAFSA) and then submit a Direct PLUS Loan application through the Federal Student Aid website or through their school’s financial aid office.
The purpose of Direct PLUS Loans for Graduate Students is to provide financial assistance to graduate and professional students who require additional funds to cover their education expenses, including tuition, fees, and living costs.
Students must report their personal information, financial details, and information about their school and program when applying for Direct PLUS Loans. They also need to disclose any other financial aid they are receiving.
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