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Federal Direct Parent Plus Loans

Parents of dependent students may apply for a Direct PLUS Loan to help pay their child's education expenses as long as certain eligibility requirements are met. 

To be eligible for a Direct PLUS Loan for Parents: 

  1. The parent borrower must be the student's biological or adoptive parent. In some cases, the student's stepparent may be eligible.
  2. The student must be a dependent student who is enrolled at least half-time at a school that participates in the Direct Loan Programs. Generally, a student is considered dependent if he or she is under 24 years of age, has no dependents, and is not married, a veteran, a graduate or professional degree student, or a ward of the court.
  3. The parent borrower must not have an adverse credit history (a credit check will be done). If the parent does not pass the credit check, the parent may still receive a loan if someone (such as a relative or friend who is able to pass the credit check) agrees to endorse the loan. The endorser promises to repay the loan if the parent fails to do so. The parent may also still receive a loan if he or she can demonstrate extenuating circumstances.
  4. The student and parent must be U.S. citizens or eligible noncitizens, must not be in default on any federal education loans or owe an overpayment on a federal education grant, and must meet other general eligibility requirements for the federal student aid programs.

Parent Plus Loan Process