The Educational Resources Institute, Inc. (TERI) loans are for creditworthy or credit ready undergraduate, graduate or professional students enrolled at least half time at approved schools. You are considered creditworthy if you have a satisfactory credit history and your employment history and current income meet established criteria. You are considered credit-ready if have good or no credit history at all (in some cases a co-borrower may be required). Undergraduates can borrow from $1,000 to the full cost of education minus any other financial aid received. Credit-ready graduate students can borrow up to $20,000 annually with no income or employment requirement. Graduate students can borrow annually up to the lesser of $45,000 or the cost of attendance minus any other financial aid you may be receiving.