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Compare Federal and Private Graduate Loans
There are a variety of low-interest loans available to graduate students. They are similar to the undergraduate loan programs, typically with higher annual loan limit amounts. Some loans are unique to a graduate student's program of study.
| Federal Stafford | Graduate Private | Graduate PLUS | |
|---|---|---|---|
| Annual Borrowing Limits | Up to $20,500/year | Up to $70,000/year | Cost of Attendance minus Aid (Stafford) |
| Disbursement of Funds | Sent to school | Sent to borrower | Sent to school |
| Approval Basis | Need (based on FAFSA) | Credit (no FAFSA required) | Credit (FAFSA usually required) |
| Rates | Fixed at 6.8% | Variable - credit based | Fixed at 8.5% |
| Repayment Term | Up to 10 years | Up to 20 years | Up to 10 years |
GradLoans.com is a service of the Student Loan Network - a leader in education funding and your online guide to graduate school student loans, Grants and Scholarships and Financial Aid. We will walk you through the entire loan process, from completing the FAFSA (Free Application for Federal Student Aid) to application through receiving your check. Hopefully, all your questions will be answered here.
In addition to a wealth of information on your financial aid options, we provide detailed information on our student loan programs:
- The Federal Stafford Loan for Graduate Study
- Private Student Loans for Graduate Students
- Consolidation Loans for Graduates
- PLUS Loans for Graduate Students
- Start Managing your Credit
For those of you in specific fields of study, we have developed specific programs to meet your specific need. Please visit:
