If you are an independent for graduate or professional school, you may qualify for $20,500 in U.S. government loans:
Your need is determined by the following:
You will be eligible, if you meet criteria above, to borrow $12,000 unsubsidized. (Interest accrues but may be deferred.) If no need is determined, you may borrow the full $20,500 unsubsidized. Interest is currently at 6.8%.
You may borrow additional money, up to the Cost of Attendance minus all other aid.
If you need PLUS or private loans and you are not eligible to borrow, you may not be able to attend.