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.
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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.