For the 2025-26 academic year, Graduate and professional students are eligible for a Federal Direct Graduate PLUS loan. The Direct Graduate PLUS loan has no annual or aggregate loan limits (other than cost of attendance less other financial aid), and a credit review requirement. Just as with Direct Unsubsidized loans, Graduate PLUS Loan borrowers are eligible for in-school deferments if they are enrolled at least half-time. This loan has the same payment options, same deferments and forbearances, and same cancellation provisions as Direct Unsubsidized loans; interest accruals begin immediately upon disbursement.
All applicants must submit a FAFSA in order to be considered. Once the FAFSA has been processed and the data has been received by the admitting school, the borrower will receive electronic Financial Aid Notification indicating the types and amounts of financial aid offer.
All federal loans certified for students enrolled at UCI will be processed through the Federal Direct Loan Program. This program format eliminates the need for borrowers to select a secondary market lender because the institution receives the loan proceeds directly from the Department of Education. This program format is beneficial to borrowers because of the option to consolidate at graduation.
The U.S. Department of Education needs to conduct a credit check on all Federal Direct Graduate PLUS Loan applicants.
- If you have placed a security freeze on your credit file, you must lift or remove the freeze with each credit bureau Equifax and TransUnion before you continue with the Graduate PLUS Loan Application. Your application will not be processed if you have a security freeze on your credit file.
- To qualify for a Graduate PLUS Loan, you must not have an adverse credit history. If the credit check shows that you have an adverse credit history, you will receive an explanation from the U.S. Department of Education on how you may still be able to qualify for a Graduate PLUS loan.
Graduate PLUS Loan Application is used:
- Request a Graduate PLUS Loan
- You may change the amount of a Graduate PLUS Loan you previously requested
When you submit your completed Graduate PLUS Loan Application, the U.S. Department of Education will send your requested loan amount and the additional information you provide as part of the application to the University of California, Irvine.
On July 4, 2025, a reconciliation bill was signed into law that significantly impacts federal financial aid programs. One of the major changes is the elimination of the Graduate PLUS Loan program, effective July 1, 2026.
Students who borrowed Graduate PLUS Loans before that date may continue under legacy provisions through the completion of their current program. However, new borrowers will no longer be eligible for Graduate PLUS Loans after July 1, 2026.
The lifetime borrowing cap will be $257,500 on all federal student loans ($200,000 for graduate and professional degrees, plus $57,500 for undergraduate degrees).
We are actively monitoring the implementation of this policy change and its implications for both current and prospective students. As more information becomes available—particularly regarding legacy provisions—we will update this page to keep you informed.