Federal student loans are lending instruments that are backed by the U.S. government to help citizens pay for college and other types of higher education. This type of lending instrument delivers several benefits over other borrowing options, but should only be considered after other sources of funding are exhausted. Federal student loans are generally favored over private loans because the interest rates tend to be lower. Plus, this type of loan also tends to have deferred repayment options and the ability to put repayment into forbearance even after it has started. Still, it is best to only seek out loans after private pay, scholarship and grant possibilities have been exhausted.

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Can I get a PLUS loan for a graduate student?

You can get a PLUS loan for a graduate student just as easily as you can for an undergraduate. In fact, to compensate for... »

How good does my credit have to be to get a PLUS loan?

There is no specific credit number that will qualify you for a PLUS loan. However, you must not have adverse credit if you wish... »

How do I apply for a PLUS loan?

To apply for a PLUS loan, contact the financial aid office at the college of your child's choice. Ask the office whether the Free... »

What can I do if my PLUS loan application was denied?

Your PLUS loan application may be denied if the Department of Education does not feel that you are creditworthy. Creditworthiness does not depend on... »

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