The borrower of a Grad PLUS Loan must not have an adverse credit history.
What causes an adverse credit history:
Note that Grad PLUS Loans do not use any kind of a debt-to-income ratio or FICO score, unlike private student loans.
Get the money you need from leading lenders
PrivateStudentLoans.com recommends you consider all financial aid alternatives including grants, scholarships and federal loans
(Federal Stafford, Federal Parent PLUS, Federal Grad PLUS) prior to applying for private student loans.
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