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Graduate Private Student Loans

Consider GradPLUS Loans

Fixed rate federal student loans used for expenses not covered by other financial aid, including tuition, room and board.
(No Cosigner Required)

Apply for the GradPLUS Loan

Scholarships and federal loans, more often than not, aren't enough to cover the entire cost of graduate school. The GradLoans Graduate School Loan will help you bridge the gap between federal financial aid and the true cost of a graduate education. Created especially for graduate students like you with unmet financial need, our Graduate Student Loan program will help you achieve your professional and educational goals.

Apply Online for a Private Student Loan

You can use a grad school loan to cover any education related expenses, including, student computers, books and room and board. Additional Benefits include:

  • Defer payments while in school and for a six-month grace period after graduation
  • Exclusive 2% graduation reward based on your outstanding principal balance1
  • No upfront, origination, guarantor, or prepayment fees
  • Lower your interest rate by 0.25% when you choose to have your payments automatically deducted from your personal bank account
  • Rates as low as Prime minus 0.50%, based on credit evaluation
  • Annual Maximum is 100% of your Cost of Attendance minus other aid, based on school certification

How do I qualify?

You must be a U.S. citizen or a permanent resident, and be enrolled at least half-time in a 4 or 5 year degree program. Additionally, you must have a cosigner for your loan application, and you and your cosigner must both pass a credit check.

Undergraduate students may apply for Private Student Loans for College at www.PrivateStudentLoans.com

Apply Online for a Private Student Loan

How much can I borrow with a graduate student loan?

You may borrow up to the cost of attendance.

Degree Programs for Graduate Private Student Loans

GradLoans.com offers graduate private student loans designed specifically for the degree program that you are enrolled in.

Apply Online for a Private Student Loan

Loan Repayment

You have three options including deferment or repayment of interest only or interest and principle.

Full Deferral: No principal or interest payments due while enrolled in school (up to four consecutive years). Payment of principal and interest will begin 6 months either after graduation or if no longer enrolled at least half time. Interest will continue to accrue during the deferment period and will be capitalized (added to the loan balance) at the time of repayment.

Interest Only: Pay only accrued interest while enrolled in school (up to four consecutive years). Payment of principal and interest will begin either 45 days after graduation or withdrawal from school.

Immediate Repayment: Payment of principal and interest will begin 45 days after loan is disbursed.

Apply Online for a Private Student Loan

* The legal age for entering into contracts is 18 years of age in every state except Alabama and Nebraska (19 years old), and Mississippi and Puerto Rico (21 years old).

1You will be eligible to receive a Graduation Reward when:
  • The student graduates from the degree program that the loan was used to fund, and;
  • The graduation date is less than six years after the date of the loan's first disbursement, and;
  • The loan is not in default on the graduation date
Upon graduation, if you have more than one participating loan, you may be eligible to receive a Graduation Reward on each loan. However, you will not receive a Graduation Reward more than once for the same loan, even if the student receives more than one degree. We may request proof of the graduation date and degree from the student or the school, in order to confirm eligibility for the Graduation Reward. If you default on your loan or consolidate or refinance your loan with another lender prior to redeeming the Graduation Reward, you will not be eligible for a Graduation Reward. We will calculate the Graduation Reward by multiplying the outstanding principal balance of your loan on the last day of the month of graduation by 2% (0.02) and rounding to the nearest cent. The outstanding principal balance used for the calculation will not include accrued and unpaid interest, which may be capitalized when your loan enters its repayment phase. If you consolidate or refinance your loan with another lender after you redeem your Graduation Reward, we may add the amount you redeemed to the principal balance of your loan that is reported to the consolidating or refinancing lender. If there is an overpayment due to an error, we reserve the right to increase the principal balance of your loan by the amount of the overpayment of the Graduation Reward. It is your responsibility to notify us if there is an error in the Graduation Reward calculation or if you do not receive an expected Graduation Reward redemption