There are 3 types of loan programs for Graduate students:
A federal loan where the student is the borrower. Students must be enrolled at least half-time (5 credits each term) to be considered for the Federal Student Loan.
A credit based federal loan where the student is the borrower. Students may borrow up to the Cost of Attendance minus any financial aid the student is receiving. A credit-worthy endorser (co-signer) may be required by the lender. Students must first have their eligibility determined for the Federal Direct Student Loan before borrowing the Graduate PLUS loan.
These are private credit based loans where the student is the borrower and may require a credit worthy co-signer. Students should maximize their federal loan eligibility before applying for a private loan.