Beginning July 1, 2026, Graduate PLUS Loans will be discontinued for new borrowers
due to the 2025 Reconciliation Bill (One Big Beautiful Bill Act). This means that graduate students who do not have a federal direct loan disbursed
prior to July 1, 2026 will not be eligible to receive a Graduate PLUS Loan in a future
semester.
Legacy Provision: Graduate students who have a federal direct loan disbursed prior to July 1, 2026,
will be eligible to continue borrowing under this program until the degree/credential
has been earned or for 3 academic years – whichever comes first.
If you are a current graduate student and interested in applying for a Federal Direct
Graduate PLUS Loan, contact the Financial Aid & Scholarships office to review your eligibility.
Please be advised -- the Federal Direct Graduate PLUS Loan is a credit-based loan and requires at least halftime enrollment (5 hours for graduate students).
The annual limit cannot exceed UNT Cost of Attendance minus the other financial aid you receive. If you are eligible and are approved
for a Graduate PLUS Loan, please note the following:
- Loan funds will not disburse until all requested documentation has been submitted.
- Please monitor your To Do List on myUNT and EagleConnect email address for related action items and notices.
- New Federal Direct Graduate PLUS Loan borrowers are required to complete Loan Entrance Counseling before UNT can make any payment of your loan. In some circumstances, borrowers may be required to complete this counseling annually.
Each Federal Direct Loan borrower at UNT is required to complete Student Exit Counseling shortly before completing a degree, leaving UNT (i.e., withdrawing, graduation) or
ceasing half-time enrollment. Details regarding Federal Direct Loan repayment plans
can be found at Repayment Plans | Federal Student Aid.
Additional information from StudentAid.gov
Loan FAQs
Yes. This can be done on StudentAid.gov. You will need your FSA ID and enter University of North Texas as a school to receive
the results.
Yes. You will receive correspondence and payment information from both the Department
of Education and your prior lender or servicer.
Loan borrowers are required to complete
Student Exit Counseling shortly before completing a degree, leaving UNT (i.e., withdrawing, graduation) or
ceasing half-time enrollment. Be sure to select the
University of North Texas as a school to receive notification of completion.
The Department of Education will run a credit history check to determine eligibility
for a Federal Direct PLUS loan. The department will provide additional information
to parents about other options (i.e. pursue a co-signer/endorser or appeal the denial)
if there is adverse credit history. UNT will process all denials received, regardless
of which option is chosen. The PLUS Denial - Additional Unsubsidized Loan Request
Form will be added to the student's
To Do List via
MyUNT once the denial has been processed.
The Master Promissory Note is a legal document in which you promise to repay your
loan(s) and any accrued interest and fees to the Department. It also explains the
terms and conditions of your loan(s).
An
origination fee is used by the federal government to offset the administrative costs of the loan.
Origination fees are charged as the loan is disbursed.
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