Federal Direct Graduate/Professional PLUS Loan


A loan funded by the U.S. Department of Education and awarded by the UGA Office of Student Financial Aid (OSFA) which graduate and professional students can use to help pay for their education expenses.

The Department of Education will defer repayment of the loan principal while the student is enrolled at least half-time, and for the first six months after the student graduates, leaves school, or enrolls in fewer than half-time.

The student is responsible for paying the interest on the principal balance during all periods, including times of approved deferred principal payments; however, the student can elect to capitalize the interest.

See Federal Direct Loan Interest Rates to view the PLUS Loan interest rates.

See Federal Direct Loan Origination Fees to view the PLUS Loan fee.




  • Students must not have an adverse credit history (PDF), or be able to obtain an endorser (similar to a cosigner) who does not have an adverse credit history, or by documenting to the satisfaction of the U.S. Department of Education that there are extenuating circumstances related to your adverse credit history.
  • Students must meet all Basic Student Eligibility criteria, and
  • Must be enrolled at least half-time to be eligible for that semester’s Graduate PLUS Loan.