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Stafford Loans

These loans offer a fixed rate. Repayment begins six months after you graduate, drop below half-time or leave school. There are two types of Stafford Loans.

Stafford Subsidized Loan: The Government pays the interest while you're in-school, in-grace, or any authorized period of deferment. Eligibility is based on family income, assets, cost of attendance and any financial aid you may receive.

• Undergraduate: 6.0%
• Graduate: 6.8%

Stafford Unsubsidized Loan - 6.8% Fixed : You're responsible for paying the interest that accrues while in-school, in-grace, or any authorized period of deferment.

Parent PLUS Loan

The Federal PLUS Loan (Parent Loan for Unsubsidized Students) is a low interest education loan designed specifically for parents to pay for their child's education. Parents may borrow up to the cost of attendance annually, minus all other financial aid received. This means parents may borrow only up to the amount not covered by the financial assistance.

Qualifications

Eligibility for the PLUS Loan is not based on financial need, parents at all income levels are welcome to apply. We will obtain a credit report from a national credit bureau before approving your loan.

Repayment

Repayment must begin within 60 days after the final loan disbursement for the period of enrollment for which you borrowed. There is no grace period for these loans. This means that interest begins to accumulate at the time the first disbursement is made. Parents must begin repaying both principle and interest while student is in school.

To begin the PLUS Loan Pre-Approval Process click here or download the PLUS Loan Promissory Note Form.

Grad PLUS Loan

The Federal GRAD PLUS Loans are federally funded for a graduate/professional student borrowing a PLUS loan for his/her own education. Grad PLUS loan terms are the same as the parents loan. Graduate students are eligible for an in-school deferment until their status changes to less than half-time.

The Grad PLUS loan available for graduate/professional students is a fixed rate of 8.5%. The PLUS MPN addendum contains important information about the Grad PLUS loan for graduate/professional students.
To begin the pre-approval process and complete or E-sign your GRAD PLUS MPN,