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Beginning March 29, 2015 a new PLUS Counseling module will be added to the website.  This counseling must be completed by Direct PLUS Loan applicants (parents of dependent undergraduate students as well as graduate/professional students) who are determined to have an adverse credit history, but qualify for a Direct PLUS Loan by obtaining an endorser or by documenting extenuating circumstances.

Federal Direct PLUS Loans  (Dependent Students Only)

PLUS loans are available for parents of dependent students to help cover a student's Cost of Attendance. The maximum annual amount allowed for a PLUS loan is Cost of Attendance less other financial aid. Interest is charged from the time funds are disbursed to the time the loan is paid in full.

Steps for Applying for a Parent PLUS Direct Loan

Eligibility for the PLUS loan is based on the following criteria:

  • Student submitted Free Application for Federal Student Aid available at (FAFSA)
  • Student is a dependent student enrolled at least half time per semester
  • Parent must pass U.S. Department of Education credit check
  • Parent must complete the Parent PLUS Application, available at

NOTE : All first-time borrowers must complete a Master Promissory Note (MPN) which is available at

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