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Parent Plus Loans


The federal Parent Loan for Undergraduate Students (PLUS) is a loan that a parent may obtain on behalf of a dependent undergraduate student. Repayment of this loan starts and interest begins to grow 60 days after the loan is fully disbursed. PLUS Loans do not require a family to demonstrate financial need. PLUS Loans may be awarded for amounts up to the estimated cost of attendance for an enrollment period less all other financial aid awarded for that period. PLUS Loans are subject to credit approval. If the parent’s PLUS application is declined, then the student may be eligible for additional unsubsidized Stafford loans. If you find yourself in this circumstance, then you may speak with a financial aid counselor for more details.


  • Student and parent borrower must be a U.S. citizen, permanent resident, or other eligible noncitizen and have a high school diploma or its recognized equivalent.
  • Student must be enrolled in a degree-seeking undergraduate program and be considered a dependent student by the U.S. Department of Education.
  • Meet all satisfactory academic progress requirements.
  • Must not be in default on a federal student loan or owe a refund on a federal grant.
  • Be enrolled at least half-time (six hours per semester).
  • Must not have exceeded federal loan limits.
  • Lender-approval based on the credit of the parent borrower.

How to Apply?

  1. Students must complete a FAFSA application! Parents must submit a Parent PLUS application.
  2. Complete a verification, if selected.
  3. Parents must complete a Master Promissory Note.
  4. Parents must complete a Credit Entrance Counseling.