Graduate PLUS Loans
A Graduate PLUS loan is the best way for graduate students to fill the gap between financial aid and school costs.
Graduate PLUS Loan Benefits
- Fixed interest rate of 8.5%
- Borrow the difference between your cost of attendance and financial aid award
- No required payments while you attend school at least half-time
- No income requirements
- Poor credit? May still qualify with credit-ready endorser
- Payments on interest can be tax deductible
- No penalties for paying your loan off early
- Flexible repayment options
Save with AES
AES and its participating lenders offer Graduate PLUS loan programs that can include reduced fees and additional rebates.
| Graduate PLUS | KeystoneBEST for Graduates |
| Eligibility | Eligibility |
| Meet general PLUS eligibility Enroll in an eligible program beyond a bachelor's degree |
Live or go to school in PA Meet general PLUS eligibility Enroll in an eligible program beyond a bachelor's degree |
| Interest Rate | Interest Rate |
| Fixed interest rate of 8.5% | Fixed interest rate of 8.5% |
| Rebates | Rebates |
Select lenders may offer additional rebates |
Select lenders may offer additional rebates |
| Loan Fees | Loan Fees |
Up to 4% of borrowed amount |
3% of borrowed amount |