How to Apply

Federal Direct Graduate PLUS Loan

Please Note:

First-time graduate PLUS loan borrowers must complete all of the steps listed below.

Returning borrowers of the graduate PLUS loan need only complete steps 1-4.

The maximum amount a student may borrow in a graduate PLUS loan is the cost of attendance minus all other financial aid received. You must exhaust all annual subsidized/unsubsidized loan limits prior to receiving a graduate PLUS loan.

How to apply for your loan:

Step 1:

Complete the Free Application for Federal Student Aid (FAFSA).

Step 2:

After receiving your financial aid award notification, please accept, decline, or reduce your award as necessary.

Step 3:

Log-in to with your federal student aid id (FSA ID) to complete your credit application. Select "Apply for a PLUS Loan". If credit approved, please move on to step 4 below. If your credit is denied, follow the instructions per the Department of Education regarding the potential for approval with a credit-worthy endorser. 

Step 4:

Complete your Master Promissory Note on by selecting either "Complete Master Promissory Note" or "Complete MPN". 

Step 5:

First-time borrowers must complete the online Entrance Counseling by selecting "Complete Entrance Counseling" on