How to Apply
- Complete and submit the FAFSA form
- Complete an application and basic credit check at studentaid.gov
- Complete a Master Promissory Note on studentaid.gov
- S&T determines how much student aid you are eligible to receive
Eligibility
- Graduate students (there is no requirement to demonstrate financial need)
- Must be enrolled at least half-time
Interest Rates
- Fixed 8.94% for the 2025-2026 year starting July 1, 2025
Borrowing Amount
- Cost of education (determined by S&T) minus other financial assistance
- All federal loans have origination fees which are taken out of the loan when it disburses
Loan Repayment
- You don't have to start making payments until six months after you graduate, leave school, or drop below half-time enrollment.
For more information on Graduate PLUS Loans, please visit Federal Student Aid.