About student loan

Our mission is to provide tools to help students and parents research and compare student loan programs. Since 1998, we've helped millions of families find the financing they need to pay for higher education. We can help you too!

Federal PLUS loan

Parents of dependent students can borrow a PLUS Loan to help pay education expenses of an undergraduate student enrolled at least half time in an eligible program at an eligible school. PLUS Loans are available through the Federal Family Education Loan (FFEL) Program and the William D. Ford Federal Direct Loan (Direct Loan) Program. An acceptable credit history is a requirement to receive a PLUS loan.
Applying for a Federal PLUS Loan
While filing the Free Application for Federal Student Aid (FAFSA) is technically not a requirement to receive a PLUS loan, most schools do require a FAFSA be filed before they will certify a PLUS. We always recommend families file a FAFSA whether you think you will qualify for federal assistance or not.
If the school is a Direct Loan school, a parent will need to contact the school directly in order to receive the loan. Funds for "Direct Loans" come directly from the federal government.
If the school (and most are) is a FFEL school, you will need to obtain your loan through a bank or lender. Your school may provide a list of lenders to help you narrow your choices. However, you may choose any lender you wish including lenders in our LoanFinder. Compare your options before you borrow. Many lenders offer repayment incentives that can lower the cost of a PLUS loan.

Federal loan consolidation

Graduate School Loans is the leader in education finance solutions for graduate students. We are committed to providing graduate students with the necessary tools and information to effectively manage your education debt. Graduate School Loans is here to assist you finance your graduate school education. Upon graduation, Graduate School Loans offers education debt management options to aid in the repayment of your graduate student loans. You will find the products and services we offer invaluable to a financial sound future.

Graduate School Loans Federal Loan Consolidation

By consolidating your federal student loans with Graduate School Loans, you can save hundreds, even thousands of dollars over the life of the loan. In addition, consolidating your graduate school loans allows you to include your undergraduate loans or previously consolidated loans, permitting you to make one low monthly payment

Private student loan consolidation

At Graduate School Loans, we understand the high cost of graduate school, which is why we offer consolidation of private education debt. Manage your education debt and repayment with a Graduate School Loans Private Loan Consolidation.Find all the information you need regarding graduate school funding, education finance, and debt management. Also, keep current with our industry news updates.

Student loan articles

Search through our database of articles covering various graduate school topics including graduate school funding, graduate school programs, and graduate school lifestyle. Graduate School Loans is dedicated to educating graduate students about the student loan industry and keeping you up to date about changes in legislation and regulations. Here, you'll find everything you need to stay informed.

Government studentloan

As an authorized lender under the Federal Family Education Loan Program (FFELP), Graduate School Loans is committed to adhering to government policies and regulations. We work endlessly to ensure your paperwork is administered under strict compliance with federal and state legislation. To this end, we have gathered information about the FFEL Program to make all procedures and protocol as transparent as possible. Graduate School Loans wants you to be informed about your student loans so that your decisions will make for a sound financial future.

Financial aid proffessionals

Your role is a crucial one in higher education. You are the link between the cost of attaining higher education and the culmination of a successful career. Graduate School Loans recognizes your role and is committed to assisting you and your students. We have outlined the products and services we offer along with the benefits your students will receive when they choose to consolidate their education loans with Graduate School

loans.

Direct loan

The Direct Loan Program is one of the Federal Student Aid (FSA) programs offered by the Department of Education, and it provides students with a simple, inexpensive way to borrow money to pay for education after high school. You apply for FSA by filling out the Free Application for Federal Student Aid; you can use the paper FAFSA, but we recommend using the online version, FAFSA on the Web.
If your school participates in the Direct Loan Program, you'll then need to complete a master promissory note (MPN) to get a Direct Loan. The MPN explains the loan terms and is the legally binding agreement that you will repay the Department.

Repayment loans

There are four types of repayment plan - standard, extended, graduated, and income contingent - so you can choose the one that is best suited for your situation.
Avoiding Default Because the financial consequences for default are severe, you should do all you can to avoid it. Deferment and forbearance are options that might help you as you repay your loans. Also, as mentioned above, you can choose the repayment plan that is best for your financial situation.

Servicing direct loan

If you already have a Direct Loan, the servicing site is your one-stop center for managing your loan. Make online payments, take online loan counseling (as noted above), view your account balances and payment history, change your billing options, enroll in electronic services, learn about default management and deferment and forbearance, and more.

Consolidation application

Consolidating your loans can be a great way to simplify repayment and lower your monthly payments. If you have a Direct Loan, you can consolidate it with other student loans. To find out more, visit our consolidation webpage.