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Federal Direct Parent PLUS Loan

Federal Direct Parent PLUS Loans enable parents to receive funds from the U.S. Department of Education, to pay for their child's college education.

PLUS Loan eligibility requirements:

  • Student must be a dependent student who is enrolled at least half-time (6 credit hours)
  • Parent must be the biological or adoptive parent of the student for whom they are borrowing
  • Parent cannot have an adverse credit history (a credit check will be done)
  • Both the parent and student must not be in default on any federal education loans or owe an overpayment on a federal education grant.
  • Both the parent and student must be U.S. citizens or eligible noncitizens.

How to Apply:

  1. Go to
  2. Parent will sign in using the parent's Federal Student Aid (FSA) ID
  3. Select: Request a Direct Plus Loan
  4. Select: Parent Plus

Complete steps 1-4

A credit check will be processed to determine eligibility. If you are eligible, you must sign a Master Promissory Note on the same website.  If the parent loan is denied, the parent may request to have an endorser for the loan or to appeal the credit decision.  If the loan is then approved, the parent will be required to complete Parent Plus Loan Counseling at the same website. 

If the parent whose loan is denied does not want to pursue an endorser or appeal the denial, then the student is eligible to borrow up to an additional $4000 unsubsidized loan.

Select: Complete MPN

Select: Parent Plus and complete steps 1-4 of the Master Promissory Note

Loan Amount: The maximum loan amounts the students Cost of Attendance minus any other financial aid. The Plus loan has a fixed interest rate of 7.21% for loans disbursed after 7/1/14.

Duration: Parents must apply annually for this loan.

Repayment: You will start repaying the loan once it is fully disbursed. Parents may opt to defer principal payments on their PLUS loans for up to six months after the student graduates or is enrolled less than half time. If the loan is deferred, interest will accrue on the loan during deferment. Parent’s will need to contact the Direct Loan Servicing Center at 1-800-848-0979. Once a Plus loan has been disbursed, your loan servicer will contact you with information on how and when to repay your loan.

Loan History

The National Student Loan Data System (NSLDS) is the U.S. Department of Education’s central database for all federal student aid. Parents can access and view all Title IV aid previously awarded to them.


Note: Information regarding loan amounts will be submitted to the National Student Loan Data System (NSLDS). The NSLDS allows other guaranty agencies, lenders and other authorized users to access their database.

Loan Contact Information

General Information about loans and applying for them

Federal Student Aid Information Center

Information on Consolidating your loans

Direct Loan Consolidation Center

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