Step-by-step Instructions

How to apply for Stafford loans

How to apply for Graduate PLUS loans


Stafford Loans FAQ

Graduate PLUS Loans FAQ

Students with Special Circumstances

Special Circumstances Form (PDF)


Barbie Papalios, Assistant Director of Financial Aid

Peggy Higgins, Associate Dean

How to Apply For Loans


Please Note, for priority processing in order to meet the semester due dates for tuition bills, 

ALL loan materials must be received by the following dates:

Fall Semester:  May 15

Spring Semester: November 15

Summer Semester: April 30

*You may submit materials after these dates, but your loan may not post to your account by that semester's tuition due date


Unsubsidized Stafford Loans are guaranteed educational loans. The maximum amount in Unsubsidized Stafford Loans that a student may request in one academic or calendar year is $20,500. The summer semester may either be included as the beginning or the end of an academic year. The government charges an origination fee of 1.068% (for loans first disbursed on or after October 1, 2015 and before October 1, 2016) on the total amount of the Stafford Loan. The loan proceeds will be disbursed directly to the student's account, less the fee, in equal amounts, one payment for each term in the loan period. The government charges an interest rate of 5.84% for loans first disbursed on or after July 1, 2015 and before July 1, 2016. Subsidized Stafford Loans and Perkins Loans are not available to graduate students. Learn more about Unsubsidized Stafford Loans, including interest rates, repayment schedules, and origination fees.

Unsubsidized Stafford Loans are non-need based guaranteed loans. The only two conditions that would preclude a student from eligibility for this loan would be (a) if a student has reached his or her maximum lifetime aggregate limit (currently $138,500), or (b) if a student is in default status for a previously awarded federal loan.

Graduate PLUS Loan is a fixed interest rate student loan guaranteed by the U.S. Government that allows master's and doctoral students to borrow the total cost for their graduate school needs, including tuition, room and board, supplies, lab expenses, and travel, less any other aid. The Graduate PLUS loan is a non-need, credit based loan similar to a private student loan with the benefit of having a fixed interest rate and federal guarantee. Master's or doctoral students who are U.S. citizens or eligible permanent residents enrolled at least half-time (at least 6 credit hours per semester) in a degree program can be considered for Graduate PLUS loans.  For loans first disbursed on or after October 1, 2015 and before October 1, 2016, the government charges a federal origination fee of 4.727%. The government also charges an interest rate of 6.84% on loans first disbursed on or after July 1, 2015 and before July 1, 2016. 
Alternative Loans: Students may wish to borrow from other loan programs and are free to choose from the many private loans available.