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Office will be closed on the following days during Thanksgiving and Christmas: 

 

11/26 - 11/27, 12/21 - 12/31

 

Regular Hours:

 

Office:


8:30am – 3:30pm 

Monday, Tuesday, Thursday, Friday

8:30am - 2:00pm

Wednesday

 

Phone:

9:00am - 3:00pm

Monday, Tuesday, Thursday, Friday        

9:00am - 2:00pm

Wednesday

 

 

except State and Federal Holidays

 

Phone #:  (808) 956-7251         
Fax #:     (808) 956-3985 

 

 

Location:

2600 Campus Road
QLCSS Room 112
Honolulu, HI 96822

 

Email:   

finaid@hawaii.edu

(please include your student ID # in your message)

 
 

PLUS Loan for Graduate/Professional Students (Grad PLUS)

Who can apply?

 

-  Graduate or professional students.

 

Eligibility:

 

-  Be enrolled at least half-time in an eligible graduate or professional degree seeking program.

 

-  Be a U.S. citizen or an eligible non-citizen and have a valid Social Security number.

 

-  Not be in default on a federal student loan.

 

-  Complete a FAFSA application

 

-  Apply for the maximum loan eligibility in federal Stafford loans.

 

Features:

 

-  Fixed interest rate of 8.5%

-  Origination fee of up to 3% and a federal default fee of up to 1%.

-  Interest begins to accrue immediately upon disbursement.

-  Borrower begins repayment within 60 days of their last disbursement.

-  In-school deferments are available for students who are enrolled at least half time in a degree seeking program.

 

How to apply:

Students must complete a FAFSA application.  After satisfying all of your requirements, a Financial Award Offer will be sent to you.   

If your Financial Award Offer includes a Grad Plus Loan, please go to your UH Portal and indicate the loan amounts for each loan that you are accepting.  You may accept or decline the entire or a portion of the amount offered.  Once you have accepted your loan(s), please complete the following steps: 

 

  1. Complete Your Entrance Interview:

If you have NOT completed an Entrance Interview with the University of Hawaii at Manoa as your home campus, you must do so before your loan can be processed.  Please click here to complete your Entrance Interview on-line or go to

https://gradguideentrance.usafunds.org/login.aspx?schoolId=00161000

  1. Choose a Lender:

If you have not done so already, please read the following carefully to choose a lender .

The University of Hawaii at Manoa does not recommend any lender(s).  Students may select any lender that participates in the Federal Family Education Loan (FFEL) Program.  

We encourage you to go to the websites of several lenders that you may be interested in and compare their loan benefits which include fees and repayment incentives; and customer service, which include loan servicer, life-of-loan servicing, hours of availability, electronic processing, etc. before making your decision.   

Please note that because of the recent credit crisis, many lenders have decided to stop participating in the Federal Educational Loan Program.  As part of your research, please verify that your selected lender is still participating. 

If you would like to see a list of lenders that were utilized by our students and parents in the 2008-2009 school year, please click here or go to  

http://www.hawaii.edu/fas/lenderOptions.html 

Please note that you may choose to use any lender, provided that they are participating in the Federal Family Education Loan Program.  If your Lender is NOT listed, please confirm with them that they are a participant.  If they are, please work with them to sign their Master Promissory Note.  We will also need a Loan Certification Request from your lender, which can be faxed or mailed to us. 

  1. Complete and Sign your Master Promissory Note:

A signed Master Promissory Note (MPN) is required by a lender before they can disburse your loan funds. For your convenience, we have placed hyperlinks on each of the lenders listed that will either allow you to either electronically sign their MPN, or get more information (some lenders do not have MPNs that you can electronically sign).

 

Credit Eligibility:

You cannot:

  • have any debts that are delinquent 90 days or more, or
  • have any defaulted loans, outstanding tax liens, unpaid judgments, or any bankruptcy, foreclosure or wage garnishment within the past 5 years.

 

Loan limit:

-  student's cost of attendance

financial aid awarded

-  maximum Grad PLUS Loan amount