Graduate Student Aid

Graduate students at Binghamton University may be eligible for federal loans to help them finance their education. There are two federal loan options: Federal Direct Unsubsidized loans and Federal Graduate PLUS loans

Graduate students must be enrolled in 6 or more credits each semester to be eligible for federal loan funding.

Graduate students will begin receiving financial aid award offers for 2019-20 in mid-summer.

Federal Unsubsidized Loan

Graduate students can borrow up to $20,500 in Federal Direct Unsubsidized loan funding (if eligible) each aid year. Fill out the FAFSA application to determine eligibility. 

Students in the following doctoral programs are eligible for an additional $12,500 in unsubsidized loan funding for the academic year:

  • Doctor of Pharmacy
  • Doctoral Degree in Clinical Psychology

Graduate PLUS Loan

Apply for the Graduate PLUS Loan online.  A credit check is performed as part of the application process.  Applicants will receive an immediate credit decision. Award recipients must also complete an additional online Loan Agreement for a PLUS loan (MPN).

Private loans

Private loans are loans that students can borrow from outside lenders. 

Other funding options for graduate students

Stipends, assistantships and scholarships for graduate students are awarded through the Graduate School.