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Graduate PLUS Loans

A Graduate PLUS Loan is an affordable, fixed-interest loan for graduate and professional students. To qualify for this loan you must be attending school at least half time and have applied for the maximum amount available in the Federal Stafford Loan program.

Effective date for the following benefits: Loans with a first disbursement on or after July 1, 2008 through the end of Academic Year 2009.

  • Fixed interest rates as low as 8.25%* if the following benefit is earned:
    • .25% interest rate reduction for direct payment (ACH).
  • No collateral required, no pre-payment penalty
  • In-school deferments are available to postpone repayment until AFTER graduation.
  • Plus immediate eligibility for Incentive Rewards.

Choose a Montana’s Choice Graduate PLUS loan from one of our lender partners.

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*Based on 8.5% fixed interest rate. For more information, see our Terms and Conditions.

New loan programs listed above are subject to change without notice, based on regulatory changes to the Federal Higher Education Act and/or upon financial market volatility impacting the earnings of lenders in the Montana's Choice program.

Benefits granted on loans already disbursed are paid out of excess funds from financed bonds and are subject to change or elimination at any time based upon the availability of such funds. Benefits are payable as long as the loans are owned by MHESAC or a participating Montana's Choice lender.