Skip to main content

Federal Direct Grad PLUS Loan 2019-20

2019-2020 Steps to be completed by student:

***Please only apply for fall and/or spring aid.  We will likely only certify direct unsub loans for summer.

Starting April 15, 2019:

  1.       Log into
  2.       Select "Request a Direct PLUS Loan"
  3.       Review the PLUS loan Information provided
  4.       Select loan type as Graduate PLUS at bottom of page
  5.       Select Award Year 2019-2020
  6.       If you wish for you loans to pay other charges (parking, Kirmayer fitness pass, etc.) charged to your account you will need to give authorization here.
  7.       Identify the school state as Kansas, and School Name as University of Kansas - Medical Cent
  8.       Loan Amount Requested: You may either select to receive the maximum that you are available to receive in a PLUS loan, or you may specify an amount in this section (You may only receive the remaining need left in your cost of attendance).
  9. Loan Period:
  •       For Fall/Spring select 08/2019-05/2020 (This amount will be split evenly between the two terms).
  •       For Fall Only select 08/2019-12/2019 (Only select this if you will not be attending in the spring term).
  •       For Spring Only select 01/2020-05/2020(Only select this if you did not attend in the fall term).

     10.  If you have not yet completed the Graduate PLUS Master Promissory Note (MPN), you will need to do this while you are logged into

What is a Federal Direct Grad PLUS loan?

A Grad PLUS loan is a federally guaranteed credit based loan. Only graduate and professional students are eligible to apply for this loan. If you are a dependent undergraduate student and want a Parent PLUS Loan please contact our office at 913-588-5170.

The Federal Loan Origination Applicant Services (LOAS) center will conduct a credit check on the Grad PLUS loan applicant. If the applicant is 90 or more days delinquent on any debt, has been the subject of a default determination, bankruptcy discharge, foreclosure, repossession, tax lien, wage garnishment, or write-off of a debt under title IV of the Act during the five years preceding the date of the credit report, the Grad PLUS loan will be denied. The LOAS will issue a loan denial letter to the applicant that will identify the name and telephone number of the agency who provided the credit information. The applicant should call the agency and request a copy of the credit report. After reviewing the report, if the credit data is inaccurate, the loan denial decision may be appealed.

Please note that our office is not provided any information about the specific reason for the denial. All loan denial appeals are handled by the LOAS. The LOAS may be contacted at 800-557-7394, or you may write to the Direct Loan Origination Center at: Applicant Services, PO Box 5691, Montgomery, AL 36103-5691.

If the denial decision was based on accurate information, the applicant has the option to obtain an endorser, which is similar to a co-signer, on the loan. The LOAS will include an Endorser Promissory Note and information with the denial letter mailed to borrower.

When the LOAS center notifies our office of the loan denial, we will send out a PLUS Loan denial form. The purpose of this form is to provide options for the applicant to officially communicate to our office exactly what he/she plans to do about the denial. We will not cancel the application until we receive the form.

How much can I borrow?

Graduate and professional students are eligible to borrow up to their full cost of attendance, minus other financial aid and resources.

Example: COA $ 43000
less other aid awarded $ 20500
the amount a student can borrow in a Grad PLUS loan $22500

Please contact our office at 913-588-5170 or email to determine the amount you are eligible to borrow for the academic year. We strongly suggest you contact our office before you apply for the Direct Grad PLUS loan to verify that you do have eligibility to apply for the Direct Grad PLUS loan.

What are the Eligibility Requirements?

  • Must complete a Free Application for Federal Student Aid (FAFSA)
  • Must be admitted to a graduate or professional program
  • Must be a U.S. citizen or eligible non-citizen
  • Must be enrolled at least half-time, for specific information on graduate enrollment please read KUMC's Enrollment Information.
  • Must not have adverse credit history as determined by federal regulations
  • Must not be in default on any student loan

What is the interest rate?

Current interest rates can be viewed here.

What are the fees associated with a Direct Grad PLUS Loan?

Beginning October 1st, 2018, Federal Direct Lending will deduct a 4.248% fee on any new Federal Direct Graduate PLUS Loans.

When does repayment on a Direct Grad PLUS Loan begin?

Repayment begins 60 days after the final disbursement for loans disbursed prior to July 1, 2008. For loans first disbursed on or after July 1, 2008, borrowers may be eligible for in-school deferment if enrolled at least half-time, and may be eligible for deferment of loan repayment for the six-month period following any period of borrower’s half-time enrollment.

What are the Deferment/Forbearance Options available?

There are various flexible options available. Interest only payments and full deferment of payments are available while student is enrolled at least half-time and during periods of unemployment, economic hardship, graduate fellowship, or military deferment.

How is the Direct Grad PLUS Loan different than an Alternative loan?

This page explains some benefits of borrowing federal loans rather than loans from private lenders.

Please contact our office at 913-588-5170 or email to determine the amount you are eligible to borrow for the academic year.

Last modified: Mar 06, 2019