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Student Loans

Compare student loan sources and terms, and access loan forms.

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    Federal Student Loan Update

    Under the One Big Beautiful Bill Act, the Graduate PLUS Loan program will be eliminated effective July 1, 2026. Legacy provisions will be in place to allow current borrowers to complete their program of study. Additionally, graduate students will be subject to a new aggregate federal loan limit of $100,000, which includes all federal loans received during graduate study. We will share more information as it becomes available.

    Yale Loan

    Terms have been released, please see below for the new interest rate.

     

    Compare Loan Sources

     

    Federal Direct Unsubsidized Loan

    Federal Direct Grad PLUS Loan

    Yale
     Loan

    Private Education Loan
    Citizenship requirement US citizen or permanent resident US citizen or permanent resident International (not US citizen or permanent resident) All students
    Maximum annual amount Up to $20,500 Single student cost of attendance less all other resources Single student cost of attendance less all other resources or $30,000, whichever is less (exceptions on a case-by-case basis) Single student cost of attendance less all other resources
    Annual interest rate 7.94% fixed 8.94% fixed 9.19% fixed Fixed or variable, dependent on credit of primary borrower (and co-borrower, if applicable)
    Fee 1.057% 4.228% 5% 0 to 3%, dependent on lender
    Credit check required No Yes No Yes
    Interest subsidy No No No No
    When repayment required * 6 months 6 months 6 months Immediately to 6 months, dependent on lender
    When interest capitalized * 6 months 6 months 6 months Dependent on lender
    Repayment information

    - Repayment plans
    - Loan Simulator 
    - See forms below

    - Repayment plan
    - Loan Simulator
    - See forms below 

    - Yale Student Loan Billing and Payment Office

    		 Dependent on lender
    Estimated monthly payment per $10,000 borrowed ** $108 $113 $120 Dependent on lender
    Servicer FedLoan, Great Lakes, Nelnet or Navient FedLoan, Great Lakes, Nelnet or Navient Yale Student Loan Billing and Payment Office Dependent on lender
    How to apply See loan forms below See loan forms below See loan forms below Contact lender directly
    List of lenders from whom Yale students have borrowed recently

    * Following separation from school or otherwise dropping below half-time enrollment status

    ** Under a standard 10-year repayment plan. For Federal Direct Loans and Federal Direct Grad PLUS Loans, additional repayment plans may be available.

    Loan Forms

    Application Forms

    2025 - 2026 Academic Year

    Yale School of the Environment Loan Request Form 
    (August 2025 - May 2026)

    Yale Loan forms will be released shortly. Please note that you will need to complete the required forms located in Yale Hub before your funds can be disbursed.

    Loan Forgiveness and Repayment Forms

    Public Service Loan Forgiveness Form  Income Driven Repayment Plans Form

    Contact YSE Financial Aid

    Get In Touch