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As the Federal Grad PLUS Loan program sunsets in 2026, graduate and professional students will face an unprecedented shift: private lenders will play a much larger role in funding advanced degrees. For the first time in decades, borrowing for graduate school will depend not just on enrollment and need—but on credit strength and borrower profiles. Understanding what lenders…

When it comes to repaying graduate or professional school loans, one of the most important choices you’ll make is how long to take to pay them off. The loan term you select — whether short or long — directly affects your total interest cost, monthly budget, and overall financial flexibility. Below we explore the pros…

With the elimination of the Federal Grad PLUS Loan in 2026, graduate and professional students will face a new financial landscape. For the first time in decades, many will rely primarily on credit-based private loans rather than guaranteed federal borrowing. Unlike the Grad PLUS program—which approved nearly all applicants with no major derogatory credit—private lenders…