There are 3 types of loan programs for Graduate students:
Federal Direct Student Loan - A federal loan where the student is the borrower. Students must be enrolled at least half-time (5 credits each trimester) to be considered for the Federal Student Loan.
Federal Direct Graduate Plus Loan - A credit based federal loan where the student is the borrower. Students may borrow up to the Cost of Attendance minus any financial aid the student is receiving. A credit-worthy endorser (co-signer) may be required by the lender. Students must first have their eligibility determined for the Federal Direct Student Loan before borrowing the Graduate PLUS loan.
Private Alternative Loans - These are private credit based loans where the student is the borrower and may require a credit worthy co-signer. Students should maximize their federal loan eligibility before applying for a private loan.