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Graduate PLUS Loans

Graduate and professional students are eligible to take out Federal Direct Graduate PLUS Loans on their own behalf. These credit-based loans are not determined by financial need. Graduate PLUS Loans are financed directly by the U.S. government, so you do not need to choose a lender.

Instructions listed here are for those graduate students who wish to borrow through the Federal Direct Graduate PLUS Loan program beginning in 2018-19.

Important Notes

  • Repayment of graduate PLUS loans begins immediately after you graduate or cease to attend school at least half time.
  • Graduate PLUS loans may offer a better deal for the majority of students than alternative loans.
  • This is a credit-based educational loan program. Creditworthiness is determined by the U.S. Department of Education. If you do not meet the federal credit requirements, you can still receive a loan provided you obtain an eligible endorser (cosigner).
  • The U.S. Department of Education must review your credit (and your cosigner's credit, if applicable) each time you apply for a Graduate PLUS Loan.

To Receive a Graduate PLUS Loan

The Graduate PLUS MPN is usually a multiyear promissory note. The MPN is good for ten years unless you use an endorser (cosigner), in which case the MPN is good for that loan only.

You must complete and sign a Graduate PLUS MPN to receive your loan funds.

  • Complete the Graduate PLUS Loan Counseling Session loan entrance counseling online.
  • Return a signed copy of your financial aid award letter to CCA that includes the amount of Graduate PLUS Loan you intend to borrow. Review the back of your award letter for more information.

If you prefer not to complete the Graduate PLUS Loan MPN online, please contact us to obtain a paper MPN. Note: Submitting a paper MPN will delay the processing of your loan(s).