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Will I need a cosigner?
Many students will need a cosigner if they don’t have a credit history. Students who add a cosigner are 3x more likely to qualify for a loan.
Select the loan that works best for you
We’ll help you pick the loan that fits your needs. Choose from multiple rates and repayment plans. Start paying during school, or wait until you graduate.
Finalize your loan
Finish with your chosen lender. Upload documents, sign your loan agreement, and your funds will disburse to your school.
Illustrative purposes, actual results may vary.
Prequalified rates are not a firm offer of credit.¹
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If you decide to take out a private graduate student loan, it’s important to compare as many lenders as you can. This way, you can find the right loan for your needs. Credible makes this easy — you can compare your prequalified rates from our partner lenders below in just two minutes.
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Our lenders support private student loans for many different college and university degrees.
All Private Student Loans
Comparing private student loans ensures you find the option that best fits your needs while in school.
Parent Student Loans
Private parent student loans can help you pay for your child’s college tuition and fees, as well as housing, books, food, and other living expenses.
Medical School Loans
Private medical school loans can help keep your career on track. Some private student loan lenders even offer medical residency loans.
Law School Loans
Private student loans can help cover law school costs and some lenders also offer bar study loans.
Comparing private student loan lenders can help you find the student loan that works for you and your MBA program.
To find the best private student loan for your particular needs, compare interest rate, loan terms, repayment plans and borrower benefits available.
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Commonly asked questions about graduate student loans
Editorial disclosure: Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. Credible Operations, Inc. NMLS # 1681276, is referred to here as "Credible."
Yes, you can still take out both federal and private graduate student loans during the COVID-19 pandemic. If you need to borrow for school, it’s generally best to rely on federal student loans first before turning to private student loans to help fill any financial gaps left over.
Also keep in mind that families whose income has been affected by the pandemic might be eligible for additional federal, state, or school-based financial aid. Be sure to contact your school’s financial aid office to see what resources are available to you.
If you decide to take out a private student loan, remember to consider as many lenders as possible to find the right loan for your situation.
When weighing private student loan options for graduate school, it’s important to take the time to consider as many lenders as you can. This way, you can find a loan best suited to your needs.
Here are several important factors to compare as you shop around:
If you’re ready to apply for a graduate student loan, follow these four steps:
Yes, you can. Graduate students are eligible for two main types of federal student loans, including:
You can use graduate student loans to cover eligible living expenses, but it's important to keep in mind that your loans will first be disbursed to your school to pay for tuition, fees, and other authorized costs.
If there are loan funds left over, the school will send the remaining balance directly to you. You can use this money to pay for eligible expenses, such as textbooks, supplies, equipment, transportation, and room and board.
If you have a specific question about your loans or you're not sure which living expenses are approved, contact your loan servicer or private lender.
Depending on your program and situation, you may have a few different ways to support yourself through graduate school. For starters, many students take a break after their undergraduate program to work and save money before applying for grad school.
You may also opt to attend grad school part-time while you continue your full-time career or work part-time while in a full-time graduate program. If you want to pursue the latter option, research how much time the program demands and whether a part-time job is feasible.
If you've served in the military, look into educational benefits programs that are available to service members, such as the Post-9/11 GI Bill program.
Finally, contact your school's financial aid office to learn about potential scholarship, grant, assistantship, and fellowship opportunities. You can also look for scholarships and grants from private organizations through websites like Scholarships.com and Fastweb.
Here are a few potential benefits of federal student loans for graduate students:
There are also some possible drawbacks to keep in mind before taking out a federal loan, including:
Like federal student loans, private student loans also have pros and cons to be aware of. Here are a few advantages of private loans for graduate students to consider:
There are also some potential drawbacks of private loans to keep in mind, such as:
If you decide to take out a private student loan for graduate school, remember to shop around and compare as many lenders as possible to find the right loan for your needs. Credible makes this easy — you can compare your prequalified rates from multiple lenders in two minutes.
This depends on the type of student loan you get to pay for graduate school.
Federal student loan rates are set by Congress each year — the exact rate you get will depend on the type of loan you choose. Here are the fixed rates you can expect for the 2021-2022 academic year:
With private student loans, your rate will depend on the lender you choose as well as other factors like your credit score and repayment term. Here are the rates you can expect on private student loans from Credible’s partner lenders:
There are also a few strategies that could help you get a good interest rate on a private student loan, including:
Before you borrow, you’ll have to decide whether a fixed- or variable-rate student loan is right for you.
The credit score required for a student loan will depend on the type of loan you get. Here’s what you can expect when it comes to graduate student loan credit information:
Learn More: Taking Out Student Loans Without a Cosigner
The best graduate student loan lenders are ones that provide competitive interest rates, a wide selection of loan terms, inclusive eligibility requirements, and responsive customer service.
To find the best loan for your needs, it’s important to shop around and compare as many lenders as you can. Below, we’ve listed some of the most important details about the loans offered by Credible’s top graduate student loan lenders:
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