Master student Brooke on steps studying.

Graduate Financial Aid

A graduate degree is a valuable investment in your future career and earnings — and USF is committed to helping you keep it affordable.

Federal Loans

Many graduate students are eligible for federal loans. To apply, you must first file a Free Application for Federal Student Aid (FAFSA) and use our school code: 001832.

  • Direct Stafford Unsubsidized Loans are not need-based and not restricted by family income. Borrowers pay interest semiannually while in school or add the interest to the amount borrowed at the time of repayment.
    • Fixed interest rate for graduate borrowers is 5.28% for the 2021-22 academic year.
  • Grad PLUS Loans enable graduate students (who are enrolled ½ time) to borrow up to the cost of their education minus any other financial aid. Repayment is deferred while the student is enrolled at least half time, though interest will accrue after full disbursement of the loan. Prior to applying, applicants must complete a FAFSA and apply for the maximum annual loan eligibility through the Federal Unsubsidized Direct Loan Program.
    • The fixed interest rate for borrowers is 6.28% for the 2021-22 academic year.
    • PLUS loans borrowed between Oct 1, 2021 and Oct 1, 2022 have an origination fee of 4.228%.


USF accepts up to 15 transfer graduate credits. Some restrictions apply, so ask your graduate admissions counselor for more information.