Graduate Federal PLUS Loan

Choose Citibank and save with the following benefits¹:

Interest Rate Reductions
Receive an automatic 0.75% interest rate reduction at repayment and qualify for an additional 0.50% interest rate reduction when you sign up for E-Z Pay auto-debit.

NEW! Benefit Recovery Feature
Unlimited opportunities to earn your automatic rate reduction back if you ever miss a payment. You may regain the lost interest rate reductions by subsequently making 24 consecutive on-time monthly payments, anytime during the life of the loan.

Zero Federal Default Fees
We'll pay the Federal Default Fee for you.

Zero Payments Your Last Six Months
Citibank saves you even more by offering to waive your last six monthly payments when all payments have been made on time -saving you up to 6.00% on your principal loan balance.

Pre-screen Online
A PLUS Loan Pre-screen is a quick way to determine your eligibility.

No Payments While in School
Automatically defer principal and interest payments while you are enrolled at least half-time in a graduate or professional studies curriculum.

Make it Easy on Yourself
Various deferment and forbearance options are available to you if you are experiencing financial difficulty.

Additional Notices: Borrower benefits displayed above are only offered on loans for which Citibank is the lender. Applicable fees for Federal PLUS Loans include a 3.00% Federal Origination Fee and a Federal Default Fee of up to 1.00%.