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Federal Graduate/Professional PLUS Loan Program
CFI makes Graduate/Professional PLUS Loans (part of North Carolina's Federal Family Education Loan Program) to students enrolled or accepted for enrollment at least half-time in a graduate or professional program of study.

Graduate/Professional PLUS Loans are not based on financial need. To be eligible for the loan, you must not have an "adverse" credit history as defined by federal regulations and must have already applied for your annual loan maximum eligibility under the Federal Stafford Loan program.

When you apply for the Graduate/Professional PLUS Loan, CFI will obtain a credit report. The credit result will be used for final approval of your loan provided both a fully completed promissory note and school certification are received within 90 days. If either the promissory note or school certification are received outside this time frame, CFI will request a new credit report.
start new loan application

To borrow a Graduate/Professional PLUS Loan from College Foundation, Inc. (CFI), the prospective borrower must have a North Carolina Connection. as well as meet federal loan requirements. The required connection is established by meeting at least one of the following:

You are:

  • A resident of North Carolina; or
  • Enrolled, or accepted for enrollment, at a North Carolina college or university eligible to participate in the Federal Family Education Loan Program; or
  • A previous CFI borrower; or
  • A current or former participant or beneficiary in the North Carolina 529 college savings plan; provided that, the savings account was active on or before June 1, 2008 and not closed due to a rollover to another qualified tuition program.

Want to check loan interest rates?

You may submit your Graduate/Professional PLUS Loan application online or download and print an application and mail it to CFI.
 

Apply Now
Complete Graduate/Professional PLUS Loan Master Promissory Note (MPN) online.
 
open a new window, display PDF version Master Promissory Note and instructions Download a Graduate/Professional PLUS Master Promissory Note and instructions.
Download a Federal PLUS Loan Request form. (Use this form if you already have a PLUS MPN at CFI.)
 

Pre-screening Option

If you are unsure of your credit profile, you may either download the PLUS Loan pre-screening form (Federal PLUS Loan Request form) or request it online. Pre-screening for the Federal PLUS Loan will include a formal credit check, which will affect your overall credit rating. The credit result will be used for final approval of your loan provided both a fully completed promissory note and school certification are received within 90 days. If either the promissory note or school certification are received outside this time frame, CFI will request a new credit report. If you are confident of your credit history, we recommend that you proceed directly to the Federal PLUS Application.
 
Complete the PLUS Pre-screening process online.
Download Pre-screening form.
 
 

Nondiscriminatory Policy

All student financial assistance is awarded on a nondiscriminatory basis without regard to race, color, religion, national origin, sex, marital status, disability, sexual orientation, veteran status, age (with the exception that borrowers must be at least 17 to enter into loan contracts under North Carolina law), or any other protected characteristics established by law.

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