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Loan Information

Unsubsidized Federal Direct Stafford Loans

When you apply for financial aid your eligibility for federal direct unsubsidized Stafford loans will be determined. Eligible graduate students may receive up to $20,500 per year.

In an effort to help students keep their debt low, we typically offer only up to the direct cost of attendance, plus an additional $500 for school-related expenses should it fit within a student’s financial aid budget. Should you need more than what is originally offered, please contact

GradPLUS Loan

The GradPLUS loan program is available for independent students enrolled in a graduate program. This may be in addition to the annual Federal Direct Stafford loan limits. Graduate students may borrow up to the cost of attendance minus other financial aid at a fixed interest rate of 7 percent.

To apply for a GradPLUS Loan, please visit, log in, and follow the step-by-step instructions. 

Private Loans

An alternative to the federal student loan programs are private loans made by a lender such as a bank or credit union. If you are considering a private loan, be sure to examine the terms and conditions carefully to determine if it meets your needs.

Private loans are an option for students and families to assist them in paying for educational expenses that are not covered by other types of financial aid. It is strongly recommended that you apply for federal aid first as federal loan programs often have more favorable terms than private loans. While we want to make information on loan borrowing available to all eligible participants, we by no means want to advocate unnecessary borrowing. We recommend a student borrow conservatively and only what they need.

To help our students and their parents navigate the increasingly complex private loan landscape, Endicott has partnered with a company called Elm Select. To review a list of commonly used private loan options that the College has evaluated and found to be reputable, please visit Elm Select. However, you are welcome to borrow from any lender you choose without penalty whether or not that lender is listed on the website. Students who borrow through a private loan will be required to complete an application and a Self-Certification Form. Both of these forms will be provided by the selected loan provider. You will need the College's Cost of Attendance to complete the Self-Certification Form.