PLUS Loans enable parents with good credit histories to borrow to help pay the education expenses of each child who is an eligible dependent undergraduate student enrolled at least half-time (6 credits).
Your child must be a dependent student who is enrolled at least half-time and making Satisfactory Academic Progress (SAP). In addition, parents and their child must be U.S. citizens or eligible noncitizens with a domestic address. PLUS Loans are not processed until the student's financial aid has been awarded.
To be eligible for a PLUS Loan, the parent must pass a credit check that indicates they do not have adverse credit history. For the PLUS loan, adverse credit history is defined as being 90 or more days delinquent on any debt or having any debt within the past five years subjected to default determination, bankruptcy discharge, foreclosure, repossession, tax lien, wage garnishment, or write-off.
To apply, please complete the following documents:
Step 1: Complete the PLUS Master Promissory Note (MPN) online, AND
Step 2: Print, complete and return the Federal Direct Parent PLUS Loan Request.​
If a parent is denied a PLUS loan, the Financial Aid Office will proceed based on the parent's preference as indicated on the PLUS Loan Request. Parents may find a co-signer or the student may borrow additional Unsubsidized Loan based on annual loan limits.