Loan Comparison Chart


Federal Direct

Graduate Plus

Federal Direct

Plus (Parent)

Federal Direct

Subsidized Loan

Federal Direct

Unsubsidized Loan

The Free Application for Federal Student Aid (FAFSA) must be completed

Students must be enrolled half-time and be admitted into a graduate level program.

Students must be meeting Satisfactory Academic Progress.

Students must be a U.S. citizen, national, or eligible non-citizen to be eligible to apply.


Parents (natural, adoptive, or step-parent whose information is on the FAFSA)and their dependent child must be U.S. citizens or eligible non-citizens.


**Credit Check


Be registered with the Selective Service (males only)


Interest Rates

Interest rates for the Federal Direct Student Loans are determined each spring before the upcoming award year (defined as July 1st through June 30th). Each loan will have a fixed interest rate for the life of the loan. You can find additional information regarding the Federal Student Loan interest rates at the Federal Student Aid website.

Lender/Length of


Between 10 and 25 years to repay, depending on the amount owed and repayment plan selected.

 **IMPORTANT NOTE: A credit check is conducted by the U.S. Department of Education to establish eligibility and will remain valid for 180 days. You cannot have an adverse credit history.