Federal Direct PLUS Loan Program

PLUS Loans

Parent Borrowers:

Parents of dependent undergraduate students are eligible to apply to borrow under the  up to the cost of their child's attendance minus other financial assistance. Interest is a fixed rate. Students whose parents apply for these loans are required to complete the Loans are credit based. Students whose parents are denied for the Parent PLUS Loan may be eligible for an additional unsubsidized loan for the academic year. Learn more and apply at .

Parents of dependent undergraduate students
  • VERY IMPORTANT!  The parent (not the student) must provide their personal information and FSA ID (Federal Student Aid ID) as the borrower.
  • Step 1: Sign in to  with your (the parent) FSA ID and password
  • Step 2: Complete and submit the 

*Note: Parents who apply for PLUS loans for the summer should use the application for the current academic year. For example, if you want to apply for a loan for the Summer of 2025, fill out the 2024-2025 application.

  • Step 3: If you are approved, complete and submit the  on 
  • The student 
  • Student must be enrolled at least half-time (6 credits)

Students and Borrowers Must:

  • Be U.S. citizen's or eligible non-citizen's
  • Not be in default on a federal student loan
  • Not owe a refund on a federal education grant

Determine the amount to borrow for the academic year by accessing the Bill Estimator

*If you do not indicate how much you want to borrow, your loan amount will be the maximum amount allowable by the institution. You will receive the loan amount minus an origination fee.  

  • The loan will be disbursed in two equal payments, half in the fall, half in the spring unless otherwise noted in the application

For questions about your Federal Direct PLUS loan and deferment, contact Direct Loan Servicing at (800) 848-0979.

Grad PLUS Loan

Graduate or Professional Students:

Graduate students are eligible to apply to borrow under the  up to their cost of attendance minus other financial assistance. Applicants for these loans are required to complete the  Interest is a fixed rate. Loans are credit based. Learn more and apply at .

Students pursuing a graduate degree
  • Step 1: Sign in to  with your FSA ID and password
  • Step 2: Complete and submit the 

*Note: Students who apply for PLUS loans for the summer should use the application for the current academic year. For example, if you want to apply for a loan for the Summer of 2025, fill out the 2024-2025 application.

  • Step 3: If you are approved, complete and submit the  on 
  • The student 
  • Student must be enrolled at least half-time (5 credits)

Students and Borrowers Must:

  • Be U.S. citizen's or eligible non-citizen's
  • Not be in default on a federal student loan
  • Not owe a refund on a federal education grant

Determine the amount to borrow for the academic year by accessing the Bill Estimator

*If you do not indicate how much you want to borrow, your loan amount will be the maximum amount allowable by the institution. You will receive the loan amount minus an origination fee.  

  • The loan will be disbursed in two equal payments, half in the fall, half in the spring unless otherwise noted in the application

For questions about your Federal Direct PLUS loan and deferment, contact Direct Loan Servicing at (800) 848-0979