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Wells Fargo GraduateSM Student Loan

A Wells Fargo GraduateSM student loan is designed for graduate students who are seeking MBA, law, or other graduate programs, and who want to qualify for a loan on their own without a cosigner.

Cover the cost of education, including tuition, fees, books, living expenses, and more (minus other aid).


  • Make no payments until six months after leaving school.
  • Pay no application, origination, or early repayment fees.
  • Select a competitive fixed or variable interest rate option.
  • Reduce your loan cost by qualifying for our interest rate discounts.

Most students can qualify on his or her own without a cosigner. However, a cosigner may potentially help you get a lower interest rate on your graduate student loan. 

 Ready to get started? 

See a checklist of what you'll need to apply.
Ready to apply? Apply Now
You can also call a Student Loan Consultant at 1-800-378-5526
Easy Online Application Process


No graduate student loan payments are required until six months after you leave school, plus you’ll have up to 15 years to repay the loan.


There is no application or origination fee, and no penalty for paying off your graduate student loan early.

Competitive Annual Percentage Rate (APR)

  • Variable interest rates range from 3.70% APR (with discount) to 9.21% APR (without discount).
  • Fixed interest rates range from 6.60% APR (with discount) to 10.84% APR (without discount).

See examples of today's rates

Two great ways to lower your interest rate

  • Customer Discount. 0.25% interest rate reduction for a previous Wells Fargo student loan or other qualifying account.
  • Automatic Payment Discount. 0.25% interest rate reduction for enrolling in automatic payments.

Discounts reduce the amount of interest you pay over the life of the loan. The automatic payment discount may not change your monthly payment amount depending on the type of loan you receive, but may reduce the number of payments or reduce the amount of your final payment.

Learn more about how to take advantage of these student loan discounts.

Borrow only what you need

We help you borrow only what you need by working with your school to:

  • Verify the amount you need and your enrollment.
  • Accept funds on your behalf.
  • Distribute any remaining funds to you, after the school receives your funds.

The lifetime limit for this loan combined with all other education-related debt is $180,000 for law and business, and $120,000 for other fields of study.


Estimate how much you may need to borrow for college:
Student Loan Calculator

Determine how much student loan debt you can manage based on your potential earning power:
Student Loan Debt Repayment Calculator

Should I choose a variable or fixed interest rate?

Variable interest rates are based on market conditions, so if market rates go up, so do your interest rate and monthly payments. Fixed interest rates stay the same over the life of the loan.

How do interest rates impact monthly payments?

In the examples below, you can see a $10,000 loan, assuming:

  • You are in school for 24 months (two years). 
  • First required payment will be due six months after you graduate or leave school. 
  • You pay back the interest and amount borrowed in 15 years.

Monthly payment could be:

  • $87.01 if variable APR is 4.68%
  • $112.72 if fixed APR is 7.60%
  • $117.01 if variable APR is 8.036%

How do I know what my interest rate will be?

Your interest rate will be determined by several factors when you apply, most importantly your credit history.

Your interest rate options will be presented during the application process, at which point you can choose between a specific variable interest rate and specific fixed interest rate.

You must be a graduate student and:

  • You must be enrolled as a graduate student at an eligible school, and seeking a degree, certificate, or license.
  • You must be making satisfactory academic progress in an eligible program.
  • You must have an established, positive credit history.
  • You must be a U.S. citizen, U.S. national, permanent resident alien without conditions, or international student who is a temporary resident alien with a current U.S. address and proper evidence of eligibility. For permanent and temporary resident aliens, a U.S. citizen cosigner is required.

Easy Online Application Process