Direct PLUS Loans for graduate or professional students
The William D. Ford Federal Direct Loan (Direct Loan) Program is the U.S. Department of Education's federal student loan program. The U.S. Department of Education is the lender under this program. Eligible graduate and professional school students may use the Direct PLUS Loan to fund their education. Direct PLUS loans are also called Grad PLUS loans when a graduate or professional student is the borrower.
Direct PLUS loan denials
If you are denied a Federal PLUS Loan, you may still be able to borrow the loan if:
A credit-worthy co-signer is approved by the Department of Education. If you wish to use a co-signer, please contact Federal Student Aid. If you qualify, you will also need to complete the Federal Direct PLUS Loan Entrance Counseling before the loan is disbursed into your student's account.
You appeal your denial through the U.S. Department of Education. If you wish to appeal your denial, please appeal through Federal Student Aid. If your appeal is approved, you will also need to complete the Federal Direct PLUS Loan Entrance Counseling before the loan is disbursed into your student's account.
If you are denied the Federal PLUS Loan and cannot obtain a co-signer or appeal, your student may be eligible to receive an additional Federal Unsubsidized Direct Loan. You may request the additional funds through your PLUS loan application or your student must complete the Federal Direct Loan Activation form requesting the additional Federal Unsubsidized Direct Loan.