Graduate PLUS Loan Credit Requirements

Consider a Private Loan:

Low Variable Rates
No in school payments
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A qualified Graduate PLUS Loan borrower does not have an adverse credit history. An adverse credit history is defined as being 90 days or more delinquent on any debt, or having a credit report that shows default, discharge, foreclosure, repossession, tax lien, wage garnishment or write-off of a federal student loan debt during the five years preceding the date of the credit report.

Note that Graduate and Professional Student PLUS loans do not use any kind of a debt-to-income ratio or FICO score, unlike private education loans.