Fill out a FAFSA form to get access to federal loans you are entitled to.
As a graduate degree-seeking student you qualify for $20,500 per year in Direct Unsubsidized Loans for those enrolling in at least 9 credit hours.
Graduate students enrolled between 6-8 credit hours are eligible for most of this loan amount.
If your cost of attendance exceeds $20,500 annually, you may inquire about Grad PLUS loans.
For questions regarding your FAFSA, please contact the Office of Financial Aid at [email protected].
- The FAFSA Website, the Oswego FAFSA ID number is 002848
- The Office of Financial Aid at SUNY Oswego
- Federal Student Loan brochure (PDF)
Direct Unsubsidized Loans are federal loans made to graduate, and professional students, but eligibility is not based on financial need.
For more information on Direct Loans, click here.
The Graduate PLUS Loan is a federally guaranteed loan that can be used to cover the full costs of graduate school, including reasonable living costs. Anyone who is a U.S. citizen, enrolled in a graduate program at least half time, and has minimally acceptable credit is eligible. Some non-degree programs, such as some teacher certificate courses, do not qualify for PLUS loans. Students must first exhaust Stafford loan eligibility before getting a Grad PLUS loan.
In addition to federal loans, private loans may help cover education expenses. These private loans typically have higher interest rates, as well as repayment terms that are not as favorable as federal loans. If needed, we encourage you to compare lenders that best fit your needs.
For a listing of some of the available private loans, you can visit FASTChoice Educational Loans.