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Federal Direct Grad PLUS Loan Program is sponsored by U.S. Department of Education. This federal loan program is available to graduate or professional students, including law students, to help cover education costs not met by other financial aid. Note: This program will be eliminated for new borrowers beginning July 1, 2026.
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Direct PLUS loans can help pay for education expenses not covered by other financial aid. The U.S. Department of Education makes Direct PLUS Loans to eligible graduate or professional students through schools participating in the Direct Loan Program. (We also offer Parent PLUS loans.)
A Direct PLUS Loan is commonly referred to as a grad PLUS loan when made to a graduate or professional student. **Important:** Most schools require you to submit the PLUS loan application online, although some schools have different application processes.
To receive a grad PLUS loan, you must * be a graduate or professional student enrolled at least half-time at an eligible school in a program leading to a graduate or professional degree or certificate; * not have an adverse credit history (unless you meet certain additional eligibility requirements); and ## Loan Interest Rates and Fees For Direct PLUS Loans first disbursed on or after July 1, 2025, and before July 1, 2026, the interest rate is 8.
94%. This is a fixed interest rate for the life of the loan. Additionally, there is a loan fee on all Direct PLUS Loans.
The loan fee is a percentage of the loan amount and is proportionately deducted from each loan disbursement. The percentage for all Direct PLUS loans first disbursed on or after Oct. 1, 2020, is 4.
228%. Loans first disbursed before that date had different loan fees. The maximum PLUS loan amount you can borrow is the cost of attendance (determined by the school) minus any other financial assistance you receive.
## When to Make Loan Payments You’ll receive an automatic deferment while you’re enrolled in school at least half time, and for an additional six months after you graduate, leave school, or drop below half-time enrollment. You don’t have to start making payments until after this deferment period ends. During periods of deferment, interest will accrue on your loan.
You may choose to pay the accrued interest or allow the interest to be capitalized (added to your loan principal balance) when you have to start making payments. Your loan servicer will notify you when your first payment is due. ## Adverse Credit History Options A credit check will be performed during the application process.
If you have an adverse credit history, you may still receive a grad PLUS loan through one of these two options: 1. Obtaining an endorser who does not have an adverse credit history. An endorser is someone who agrees to repay the grad PLUS loan if you do not repay it.
With either option 1 or option 2, you also must complete credit counseling for PLUS loan borrowers. You may also wish to read this article to learn more about what to do if you are denied a PLUS loan based on an adverse credit history. **Important:** Most schools require you to apply for a Direct PLUS Loan online, but some schools have different application processes.
This site has a list of schools that participate in the Direct Loan Program. When you select your school from the list, the site will tell you if the school has a different application process. In that case, check with the school’s financial aid office to find out how to request a grad PLUS loan.
**Note:** Before applying for a grad PLUS loan, you must complete the FAFSA form. ## Steps to Receive a Loan If you are eligible for a grad PLUS loan, you will be required to sign a Direct PLUS Loan Master Promissory Note (MPN), agreeing to the terms of the loan. If you haven’t previously received a PLUS loan, you will also be required to complete entrance counseling.
Contact the financial aid office at the school you are planning to attend for instructions on how to complete entrance counseling. ## How Funds Are Delivered The school will first apply grad PLUS loan funds to your school account to pay for tuition, fees, room and board, and other school charges. If any loan funds remain, your school will give them to you to help pay other education expenses.
Get more information about receiving aid. After you receive your grad PLUS loan, you will be contacted by your loan servicer (you will repay your loan to the loan servicer). Your loan servicer will provide regular updates on the status of your grad PLUS loan.
There are several repayment options available that are designed to meet the individual needs of borrowers, including income-driven repayment plans that determine your monthly payment amount based on your income and family size. Your loan servicer can help you understand which repayment options are available to you. Generally, you’ll have 10 to 25 years to repay your loan, depending on the repayment plan that you choose.
Learn about your repayment options. Use _Loan Simulator_ to get an early estimate of what your monthly payment amount would be under the plans for which you're eligible. ## Loan Deferment and Forbearance If you are unable to make your scheduled loan payments, contact your loan servicer immediately.
Your servicer can help you understand your options for keeping your loan in good standing. For example, you may wish to change your repayment plan to lower your monthly payment or request a deferment or forbearance that allows you to temporarily stop or lower the payments on your loan. Learn more about deferment and forbearance options.
Yes. Before your loan money is disbursed, you may cancel all or part of your loan at any time by notifying the school. After your loan is disbursed, you may cancel all or part of the loan within certain time frames.
Your promissory note and additional information you’ll receive from the school will explain the procedures and time frames for canceling your loan. ## Loan Forgiveness and Discharge Under certain conditions, you may be eligible to have all or part of your loan forgiven (canceled) or discharged. Find out about loan forgiveness, cancellation, and discharge.
## Find Your Grad PLUS Loan Information Visit “My Aid” to view information about all of the federal student loans and other financial aid you have received and to get contact information for your loan servicer.
Based on current listing details, eligibility includes: Graduate or professional students with no adverse credit. Eligibility is determined by completing the Free Application for Federal Student Aid (FAFSA). Will be eliminated for new borrowers after July 1, 2026. Applicants should confirm final requirements in the official notice before submission.
Current published award information indicates Up to the cost of attendance minus other financial aid (for those borrowing prior to July 1, 2026) Always verify allowable costs, matching requirements, and funding caps directly in the sponsor documentation.
The current target date is rolling deadlines or periodic funding windows. Build your timeline backwards from this date to cover registrations, approvals, attachments, and final submission checks.
Federal grant success rates typically range from 10-30%, varying by agency and program. Build a strong proposal with clear objectives, measurable outcomes, and a well-justified budget to improve your chances.
Requirements vary by sponsor, but typically include a project narrative, budget justification, organizational capability statement, and key personnel CVs. Check the official notice for the complete list of required attachments.
Yes — AI tools like Granted can help research funders, draft proposal sections, and check compliance. However, always review and customize AI-generated content to reflect your organization's unique strengths and the specific requirements of the solicitation.
Review timelines vary by funder. Federal agencies typically take 3-6 months from submission to award notification. Foundation grants may be faster, often 1-3 months. Check the program's timeline in the official solicitation for specific dates.
Many federal programs offer multi-year funding or allow competitive renewals. Check the official solicitation for continuation and renewal policies. Non-competing continuation applications are common for multi-year awards.
Note: Each funding opportunity description is a synopsis of information in the Federal Register application notice. For specific information about eligibility, please see the official application notice. The official version of this document is the document published in the Federal Register. Free Internet access to the official edition of the Federal Register and the Code of Federal Regulations is available on GPO Access at: http://www.access.gpo.gov/nara/index.html. Please review the official application notice for pre-application and application requirements, application submission information, performance measures, priorities and program contact information. For the addresses for obtaining and submitting an application, please refer to our Revised Common Instructions for Applicants to Department of Education Discretionary Grant Programs, published in the Federal Register on December 27, 2021. Purpose of Program: The NASNTI Program provides grants to eligible institutions of higher education (IHEs) to enable them to improve and expand their capacity to serve Native Americans and low-income individuals. Institutions may use the grants to plan, develop, undertake, and carry out activities to improve and expand their capacity to serve Native American and low-income students. Assistance Listing Number (ALN) 84.031X. Funding Opportunity Number: ED-GRANTS-051022-001. Assistance Listing: 84.031. Funding Instrument: CA,G. Category: ED. Award Amount: Up to $550K per award.
The National Leadership Grants for Libraries Program (NLG-L) supports projects that address critical needs of the library and archives fields and have the potential to advance practice and strengthen library and archival services for the American public. Successful proposals will generate results such as new models, tools, research findings, services, practices, and/or alliances that can be widely used, adapted, scaled, or replicated to extend and leverage the benefits of federal investment. Applications to IMLS should both advance knowledge and understanding and ensure that the federal investment made generates benefits to society. Specifically, the goals for this program are to generate projects of far-reaching impact that: • Build the workforce and institutional capacity for managing the national information infrastructure and serving the information and education needs of the public. • Build the capacity of libraries and archives to lead and contribute to efforts that improve community well-being and strengthen civic engagement. • Improve the ability of libraries and archives to provide broad access to and use of information and collections with emphasis on collaboration to avoid duplication and maximize reach. • Strengthen the ability of libraries to provide services to affected communities in the event of an emergency or disaster. • Strengthen the ability of libraries, archives, and museums to work collaboratively for the benefit of the communities they serve. Throughout its work, IMLS places importance on diversity, equity, and inclusion. This may be reflected in an IMLS-funded project in a wide range of ways, including efforts to serve individuals of diverse geographic, cultural, and socioeconomic backgrounds; individuals with disabilities; individuals with limited functional literacy or information skills; individuals having difficulty using a library or museum; and underserved urban and rural communities, including children from families with incomes below the poverty line. Application Process: The application process for the NLG-L program has two phases; applicants must begin by applying for Phase I. For Phase I, all applicants must submit Preliminary Proposals by the September 20th deadline listed for this Notice of Funding Opportunity. For Phase II, only selected applicants will be invited to submit Full Proposals, and only those Invited Full Proposals will be considered for funding. Invited Full Proposals will be due March 20, 2024. Funding Opportunity Number: NLG-LIBRARIES-FY24. Assistance Listing: 45.312. Funding Instrument: G. Category: AR,HU. Award Amount: $50K – $1M per award.
The California Department of Education (CDE) Early Education Division is making approximately .7 million available to expand California State Preschool Program (CSPP) services statewide, appropriated under the 2021 Budget Act. Eligible applicants are local educational agencies (LEAs), including school districts, county offices of education, community college districts, and direct-funded charter schools—both current CSPP contractors and new applicants. Funding supports full-day/full-year or part-day/part-year preschool services for income-eligible children beginning in FY 2024–25. Awards are allocated by county based on Local Planning Council priority areas and application scores, with redistribution provisions if county allocations are underutilized.