Apply for a Graduate PLUS Loan

We suggest you utilize your Federal Direct Unsubsidized Loan eligibility before requesting a Graduate PLUS Loan. The Federal Direct Unsubsidized Loan has a lower interest rate and also carries a lower origination fee

What You Need to Know Before Applying

• Fordham’s academic year begins with the fall term and ends with the summer term.
• If you already have a Graduate PLUS Loan in place for this academic year and would like to increase it, use our Graduate PLUS Loan Request form.
• The application process includes a credit check to ensure the student does not have an adverse credit history.

What You Need to Know When Applying

Selecting your Loan Period

• 09/2024 to 12/2024 - one disbursement at the beginning of the fall term.
• 09/2024 to 05/2025- even disbursements across the fall and spring terms
• 09/2024 to 08/2025 - even disbursements across the fall, spring, and summer terms
• 01/2024 to 05/2025 - one disbursement at the beginning of the spring term.

Requesting The Amount of Your Loan

• Use the Cost of Attendance sidebar to help determine how much you should borrow.
• There is a 4.228% origination fee deducted from each loan disbursement. To calculate the total loan amount you should request, divide the amount you need by 0.95772.
  • For example: if you need $8,000 to cover your expenses, you should request $8,353 ($8,000/0.95772).

  Loan Calculator

  Calculate the amount
  • • Get an Endorser. An endorser is someone who agrees to repay the Graduate PLUS Loan if you do not repay it.
    • Appeal your credit decision by documenting extenuating circumstances

    ** If you are subsequently approved after using one of these options you must complete PLUS Credit Counseling before your loan will disburse.

    Cost of Attendance

    • Graduate School of Arts and Sciences
    • Graduate School of Religion and Religious Education
    • Graduate School of Education
    • Graduate School of Social Service
    • Gabelli School of Business (Graduate)
    • Executive M.B.A. Program
    • Law School - J.D. Program
    • Law School - Masters of Law Program

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