Private graduate loans

After July 1, 2026, most new graduate borrowers cannot use Grad PLUS. Private loans can fill a gap after Direct Unsubsidized room, but they do not include federal IDR or PSLF. Start with the Grad Funding Gap calculator.

What to compare

APR type (fixed or variable) and how long any teaser rate lasts
Origination fees and how interest capitalizes
Cosigner requirements and cosigner release rules
In-school payment options and grace periods
School certification and annual limits versus your COA

Lender overviews

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credible
elfi
earnest
sallie-mae

Partner referrals are not approved yet. Use official lender sites and your school financial aid office.