Skip Navigation
Edvisors Transparent star logo
Search Box Form
Search Box Form
After Navigation
Home Ask Student Aid FAQ What are the credit requirements for Grad PLUS loans?

What are the credit requirements for Grad PLUS loans?

The borrower of a Grad PLUS Loan must not have an adverse credit history

What causes an adverse credit history:

  • A current delinquency of 90 or more days on more than $2,085 in total debt; or
  • More than $2,085 in total debt in collections or charged off in the past two years (before the date of the credit report); or
  • Default, bankruptcy discharge, foreclosure, repossession, tax lien, wage garnishment, or write-off of federal student loan debt in the past five years (before the date of the credit report)

Note that Grad PLUS Loans do not use any kind of a debt-to-income ratio or FICO score, unlike private student loans.

Graduate School Loans

×
Find & Compare Private Student Loans for Your School:
Find Loans
We recently updated our Privacy Policy and Terms of Use. Please read them before using our website. Your continued use of our Sites following the posting of these changes to the Privacy Policy and Terms of Use will mean you accept those changes. ×