Federal Parent PLUS Loan


  • Student must have a completed FAFSA on file.
  • Student must be enrolled at least half-time (6 credits).
  • Parent must be the student's biological parent, adoptive parent, legal guardian or step-parent.
  • Borrower must be able to pass a credit check.  Those with adverse credit may apply but must have a co-signer.
  • Student must be in good standing with the Financial Aid Office, which may be different than the student's standing with the university.

In order for a student to receive a Parent PLUS loan the parent must follow the steps outlined in:


  • Repayment begins on the date the loan is fully disbursed; the first payment is due within 60 days of the last disbursement.
  • Parent borrowers have the option of deferring repayment based on the enrollment status of the dependent student on whose behalf the loan was obtained.  Interest will continue to accrue even if the borrower is granted a deferment on the loan.
  • Direct Parent PLUS loans may be deferred:
    if the student, on whose behalf the loan was borrowed, is enrolled at least half-time and for an additional six months after the student ceases to be enrolled at least half-time.

Other Important Information

  • If the borrower is denied a Direct Parent PLUS Loan an endorser may be added.  The endorser application and instructions are available at studentloans.gov.
  • If a parent is denied a Direct Parent PLUS Loan the student may have additional Direct Loan eligibility.
  • Interest on Direct Parent PLUS loans will begin accruing at the time of each disbursement.
  • There are no annual or aggregate borrowing limits for Direct PLUS Loans.
  • PLUS loan funds will first be applied to the student's school account to pay their tuition, fees and other charges.  If any loan funds remain a refund may be requested through the Cashier Office.