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Paying for Grad School Poses New Challenges

With a graduate PLUS loan, you can obtain all the financial assistance you need in order to cover the costs of your graduate studies. A graduate PLUS loan provides many of the same benefits as an undergraduate PLUS loan. But one important difference is that you, as the student, don’t need to rely on your parents to pick up the tab. You apply directly for the PLUS loan and receive funding immediately.

What Can a Graduate PLUS Loan Offer Me?

Students who apply for a graduate PLUS loan can expect many of the same benefits as a federal undergraduate PLUS loan. Interest rates can range as low as 6.25% and you are eligible to borrow up to 100% of your total college costs—this includes tuition, books, computer, and cost of living. Graduate PLUS loans are available year round, so you can apply for your graduate PLUS loan at any time.

Lenders Offer Graduate PLUS Loan Borrowers Great Deals

When you take out a graduate PLUS loan, you can expect to receive a 3% cash rebate on the remaining principal balance of your loan following the first twelve consecutive months of on-time payments. If you continue to pay your monthly graduate PLUS loan bill on time, you will also receive a 2% interest rate reduction after the first 48 months. Additionally, your interest rate will be reduced by .25% if you agree to have your loan payments automatically withdrawn from your checking or savings account.