Graduate Loan Information

There are three types of loans available to assist with educational costs for graduate students. Both the Direct Loan and the PLUS Loan are federal loans processed by the U.S. Department of Education.

Direct Loans

Direct Loans for graduate students are unsubsidized. These are non-need based loans. For unsubsidized loans, interest begins to accumulate at the point of disbursement. 

The process:

  • Step 1: Complete Direct Loan entrance counseling
  • Step 2: Complete a Master Promissory Note
  • Start the process.
  • More questions?
  • Parent PLUS Loans

    The PLUS Loan program enables graduate students with a good credit history to borrow funds. Graduate students may borrow up to the cost of tuition, books and fees less any other financial aid received by the student.

    Visit the PLUS Loans page for more information.

    Private Educational Loans

    While we encourage students to pursue federal student loans prior to applying for private educational loans, these loans may be helpful and beneficial to some borrowers.

    Visit the Private Educational Loans page for more information.

    Loan Counseling

    The federal government requires you to complete loan counseling to ensure that you understand the responsibilities and obligations you are assuming. Entrance counseling will walk you through the Direct Loan process and explain your rights and responsibilities as a borrower.

    Students graduating, withdrawing from school or falling below part-time must go through loan exit counseling. Use the links below to start the loan exit counseling process.

    Loan exit counseling for undergraduate students.

    Additional Information

    Educational loans are an investment in your future, but it is important to understand your financial obligation. Please take time to read through the following information:

    You can view all loans you have borrowed, as well as the Department of Education servicer holding your loans at

    The U.S. Department of Education has authorized Fresno Pacific University to administer federal loan programs under Title IV funding.