Federal Direct Graduate PLUS Loan

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Master Promissory Note

Direct Loan Applicant Services
Phone No: 800.557.7394
Email: CODsupport@acs-inc.com
Fax: 877.623.5082

Direct Loan Borrower Services

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National Student Loan Data System (NSLDS)

Direct Loan Consolidation

Federal Graduate PLUS Loan Process 

Federal Direct Graduate PLUS Loan Borrower Instructions

  1. Click here and under "Manage My Direct Loan" sign in using your 4 digit pin used to sign the FAFSA.
  2. Then select "Start PLUS Application Process" to complete the application and credit check.
  3. Once the Graduate PLUS Application has been completed you must complete the Master Promissory NoteSelect "Complete Master Promissory Note.
  4. All Graduate PLUS loans will be processed as a Fall/Spring loan with two equal disbursements unless specified during the Graduate PLUS loan application process. 

Please note: Please allow 2-3 weeks for the Financial Aid Office to process your loan.  Also, you must use Windows Explorer or Firefox 3.6.3 to complete the Graduate PLUS Loan process.  The Department of Education currently does not support Safari.

Federal Direct Graduate PLUS Loan
To be eligible for the Graduate PLUS Loan you must be a graduate student enrolled at least half time, be credit worthy, and have exhausted the maximum amount in Stafford loans.  There are no set limits for Direct Graduate PLUS Loans, but you may not borrow more than the cost of education minus any other financial aid received.  If you are found to have an adverse credit history, you may still borrow a Graduate PLUS Loan if you get an endorser who does not have an adverse credit history. (Refer to Step 1 above and select "Endorse a PLUS Loan")An endorser is someone who agrees to repay the Direct PLUS Loan if you do not repay the loan. 

Origination Fees

Academic Year Origination Fee
Loan disbursed on or after Oct 1, 2014 and before Oct 1, 2015 4.292%
Loan disbursed on or after Dec 1, 2013 and before Sept 30, 2015 4.288%

*The Up-front Interest Rebate percentage is the amount given to borrrowers after the Origination Fee has been deducted from each loan disbursed.  Students must make all of the first 12 required monthly payments on time or the rebate amount will be added back to the principal balance of the loan.

Interest Rate

Academic Year

Interest Rate
2013-2014 6.41%
2014-2015 7.21%

Page modified 11/26/14