Grad PLUS loans are loans that are additional loans that are available for graduate students only. They are usually only used after a student has used their maximum eligibility for Stafford loans. They are applied for at www.studentloans.gov. Credit decisions will be sent to UT Martin and we will evaluate your eligibility to receive the loan before putting it on your account. Be sure you have completed a FAFSA and have accepted all the Stafford loan that you are eligible for first.