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Graduate students should consider paying off interest while still in school before taking out Graduate PLUS loans.

Consider 4 Factors About Graduate PLUS Loans Before Borrowing

Borrowers should exhaust unsubsidized federal loan amounts before turning to Graduate PLUS loans.

Graduate students should consider paying off interest while still in school before taking out Graduate PLUS loans.

Graduate students should consider paying off interest while still in school before taking out Graduate PLUS loans.

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[Use these tips to start repaying student loans.]

Students can still qualify with a cosigner who doesn't have adverse credit history. Students who do not have a cosigner and have adverse credit history should still apply, as it's possible loans will still be approved on a case-by-case basis.

While parents who took out Parent PLUS loans had to start repayment as soon as their children received their undergraduate degrees, students with Graduate PLUS loans do not have to start making payments immediately after graduation.

Graduate PLUS loans don't come due until six months after graduation, just like federal student loans taken out by undergraduate students or unsubsidized loans taken out by either undergraduate or graduate students.

Trying to fund your education? Get tips and more in the U.S. News Paying for Graduate School center.