The Direct Grad PLUS Loan is a loan that a graduate student can take out to cover a current balance. This is a 3-step process that typically only takes 5-15 minutes per step. Before getting started, we recommend checking out your WJU billing account on the student portal. This is the best place to look to collect information on how much needs to be covered with a loan AND/OR paid out-of-pocket. Interest rate and fee information can be found on the financial aid website.