Hello, I tried searching for information on this but I couldnt find anything. I've been told that the Grad plus loans are partially based on your credit history and certain things can prevent you from getting a loan. My credit score is not great, but I have been making improvements and plan on contuining with that. I have stayed current on my car loan (4 years) and my undergrad student loan (4 years). I dont have any major issues like a bankruptcy, etc. however I have had a few credit cards (circuit city, chase) go into default. I am going to try to build up some savings and my wife will work. I am expecting to use the full amount of Stanford Loans, but I was hoping to get an additional $5-10,000 in Grad Plus. Any advice would be much appreciated. Also, if Grad Plus is not an option, is there anything else I can apply for other then private loans? Does that only depend on the school and what institutional aid they provide? Thanks.