Direct Graduate PLUS Loan

A FAFSA must be filed before TU can determine a student’s eligibility for a Direct Graduate PLUS Loan (GPLUS). To request a GPLUS loan, log in to, select “APPLY FOR AID” and click on “Apply for a Grad PLUS Loan.”  Click “START” to “Apply for a PLUS Loan.” Follow the instructions to complete, sign, and submit your GPLUS loan application.

The GPLUS loan is administered by the U.S. Department of Education and approval is based on the absence of adverse credit within the last five years, not credit worthiness. The U.S. Department of Education will run a credit check and notify the student and Student Financial Services of the credit decision. If the GPLUS loan is approved, the student may complete and sign an electronic GPLUS Master Promissory Note (MPN) at the completion of the application process or later at the same website. The GPLUS MPN is similar to the Direct Unsubsidized Loan MPN including its use for multiple loans for the same borrower. The GPLUS MPN is valid for ten years and is a separate MPN from the Direct Unsubsidized Loan. If the GPLUS loan is denied and later approved with an endorser, the GPLUS MPN cannot be used for multiple GPLUS loans. A new GPLUS MPN must be completed and is only good for the academic year or term the endorsed loan was approved for by the U.S. Department of Education. If the GPLUS loan is denied and later approved with a credit appeal, a new GPLUS MPN is not required. PLUS credit counseling must be completed at for GPLUS loans approved with an endorser or credit appeal.

The current interest rate for a GPLUS loan is determined each June for new loans being processed for the upcoming award year, which runs from July 1 to the following June 30. The fixed interest rate will be for the life of the loan. Interest begins accruing at the time of disbursement. The government will deduct an origination (processing) fee from each GPLUS loan disbursement. Refer to for the actual interest rate and origination fee for your GPLUS loan.

Prior to receiving the first GPLUS loan disbursement, the GPLUS MPN must be completed as well as entrance counseling. Entrance counseling may be completed at Note: PLUS credit counseling is not entrance counseling and does not fulfill the entrance counseling requirement for first-time graduate/law students. Therefore, it is possible a graduate/law student could complete two different counseling sessions.

A GPLUS loan is made in two equal disbursements for a two-semester loan. At least one-half of the loan period must elapse before the second disbursement can be released. The GPLUS loan will credit the student’s Bursar account no earlier than the first day of class each semester. A disbursement funds letter will be emailed to the student’s TU email address when funds credit. Loan funds that exceed student charges will be refunded to the student. A student has the right to cancel all or any portion of the loan within 14 days of the loan crediting the student’s Bursar account. Repayment on the GPLUS loan begins six months after the student ceases to be enrolled at least half-time. Exit counseling is required upon leaving the university. Refer to for repayment plans.

2020-2021 Important Loan Information for PLUS/Private Loan Options for Graduate/Law Students

All federal loans a student applies for will be submitted to the National Student Loan Data System (NSLDS) and will be accessible by guarantee agencies, lenders, loan servicers, and schools determined to be authorized users of the data system.