Graduate Student Loans

Federal loans for graduate study are available to students enrolled in graduate programs. The borrower's need will be determined by the Financial Aid Office, based on his or her FAFSA.

Direct Student Loan Eligibility Requirements and Loan Details

  • You must be enrolled at least half-time study in a graduate program.
  • Complete the Free Application for Federal Student Aid (FAFSA).
  • Only unsubsidized loans are available for graduate borrowers.
  • The maximum unsubsidized amount available per year for graduate borrowers is $20,500.

Graduate Direct PLUS Loans

  • These loans are an additional federal loan resource for students in graduate study.
  • The borrower’s need is determined by the Financial Aid Office, based on cost of attendance.
  • Graduate students must first borrow their maximum unsubsidized Direct Loans.
  • The federal government determines the interest rate for each academic year, effective July 1.
  • Loan origination fees are deducted from the total amount borrowed.
  • Contact the Financial Aid Office if you need to borrow a Graduate Direct PLUS Loan



For more information, contact the JSC Office of Financial Aid at 802-635-1380 or