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PLUS Loans for Graduate Students
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Graduate PLUS loans are available to graduate students to supplement other federal loans. The PLUS loan is a long-term loan program with a fixed interest rate of 8.5%. Eligibility for the PLUS loan is based on your good credit history. Funds are available through participating lending agencies. Like the unsubsidized Federal Stafford Loan, the interest on a PLUS loans accrues from the point of disbursement. PLUS loans may substitute for the expected family contribution but may not exceed the cost of education minus other aid.

How to Apply

You must have a Free Application for Federal Student Aid (FAFSA) on file to qualify for a PLUS loan at Cal State Fullerton. When we determine your financial aid eligibility for the year, we will offer you grant (if you qualify) and Federal Stafford Loan up to the annual limit of $20,500. If your financial aid awards fully meet your cost of education for the year, you will not be eligible for a PLUS loan. If your cost of education is not fully met by your financial aid awards, you may apply for a PLUS loan.

PLUS loans are offered through participating lending agencies. Most lenders offer pre-approval on-line or by phone. Eligibility is based on your good credit record. A separate PLUS application is required each academic year.

Select a lender and complete their pre-qualification application. Once you are pre-approved for a PLUS loan for use at Cal State Fullerton, we will be notified your loan application is ready for certification. We will verify your cost of education and your other financial aid to determine if you are eligible for the PLUS loan.

Disbursement of PLUS Funds

The lender will send a funds via Electronic Funds Transfer (EFT) to the University for one-half of the academic year loan at the start of each semester. Confirmation of student eligibility is reviewed and if no outstanding balance is on your university account, Student Financial Services (SFS) will mail a check for the PLUS loan funs directly to your parent.


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