Many students who attend South Texas College of Law Houston borrow Federal Direct Graduate PLUS loans in addition to the unsubsidized loan. To be eligible for the Graduate PLUS loan, a student must have non-delinquent credit. Bad credit usually implies having made late payments (more than 30 days) on credit cards, medical bills, telephone bills, rent or other types of credit. Defaults, collections actions, write-offs and bankruptcy also indicate bad credit. Because mistakes often occur with credit reporting agencies, we strongly recommend that you contact one or all of the national credit agencies to receive a copy of your credit report in advance of applying for Graduate PLUS loans. You may request your annual free credit report here.