Federal Direct Graduate PLUS Loan

Federal Graduate PLUS Loan Process

Helpful Links

Master Promissory Note

Direct Loan Applicant Services
Phone No: 800.557.7394
Email: CODsupport@acs-inc.com
Fax: 877.623.5082

Direct Loan Borrower Services

National Student Loan Data System
National Student Loan Data System (NSLDS)

Direct Loan Consolidation

Federal Direct Graduate PLUS Loan Borrower Instructions

  1. Click here and at top right of page click on the green "Log In" button and sign in using your 4 digit pin used to sign the FAFSA.
  2. Then select "Request a Direct PLUS Loan" to complete the application and credit check.
  3. Once the Graduate PLUS Application has been completed you must complete the Master Promissory Note.  Select "Complete Master Promissory Note.
  4. All Graduate PLUS loans will be processed as a Fall/Spring loan with two equal disbursements unless specified during the Graduate PLUS loan application process. 

Please note: Please allow 2-3 weeks for the Financial Aid Office to process your loan.  Also, you must use Windows Explorer or Firefox 3.6.3 to complete the Graduate PLUS Loan process.  The Department of Education currently does not support Safari.

Federal Direct Graduate PLUS Loan

To be eligible for the Graduate PLUS Loan you must be a graduate student enrolled at least half time, be credit worthy, and have exhausted the maximum amount in Stafford loans.  There are no set limits for Direct Graduate PLUS Loans, but you may not borrow more than the cost of education minus any other financial aid received.  If you are found to have an adverse credit history, you may still borrow a Graduate PLUS Loan if you get an endorser who does not have an adverse credit history. (Refer to Step 1 above and select "Endorse a PLUS Loan")An endorser is someone who agrees to repay the Direct PLUS Loan if you do not repay the loan. 

Origination Fees 

Academic Year  Origination Fee
Loan disbursed on or after Oct 1, 2015 and before Oct 1, 2016  4.272 %

*The Up-front Interest Rebate percentage is the amount given to borrrowers after the Origination Fee has been deducted from each loan disbursed.  Students must make all of the first 12 required monthly payments on time or the rebate amount will be added back to the principal balance of the loan.

Interest Rate

Academic Year  Interest Rate
2016-2017  6.31%


Office Hours:
Academic Year
8:30 a.m. - 5:00 p.m.
Summer Hours
8:00 a.m. - 4:00 p.m.

Financial Aid Office

209 Maytum Hall
State University of New York at Fredonia
Fredonia, NY 14063
(716) 673-3253
(716) 673-3785 Fax