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United States: How to Apply for a Direct PLUS Loan for Parents 2021

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United States: How to Apply for a Direct PLUS Loan for Parents 2021

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You can use the Direct PLUS Loan Application to apply for a Direct PLUS Loan as a parent to help pay for your student’s school expenses (a “parent PLUS loan”). You can also authorize the school to use funds to satisfy other educationally-related charges, request a deferment, or change the loan amount specified in a previously submitted PLUS Loan application.

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The information that you provide will be sent to the school that you select. The school you select will use the information collected to determine your eligibility for a Direct PLUS Loan as a parent and process your application.

Before you can apply for Direct Plus Loan

If you have placed a security freeze on your credit file, you must lift or remove the freeze at each credit bureau before you continue. Your application will not be processed if you have a security freeze.


Before you can receive a Direct PLUS Loan, you must complete a Direct PLUS Loan Master Promissory Note (Direct PLUS Loan MPN), which explains all of the terms and conditions of Direct PLUS Loans and constitutes your legally binding agreement to repay all Direct PLUS Loans that you receive under the Direct PLUS Loan MPN.

You will have an opportunity to complete the Direct PLUS Loan MPN after you complete the Direct PLUS Loan Application.

When you apply for a Direct PLUS Loan as a parent, you can authorize the school to use your loan funds to satisfy your student’s other educational related charges after tuition and fees, and room and board (for on-campus students) have been paid. You are not required to provide this authorization.

As a parent borrower, you can also use the Direct PLUS Loan Application to:

  • designate whether the school pays any credit balance to the student or to you.
  • request a deferment while the student is in school, and for an additional deferment for six months after the student ceases to be enrolled at least half time, and
  • request a change to the loan amount specified in a previously submitted application.

Who should complete this?

Eligible parents of eligible dependent undergraduate students.

How long will it take?

The entire Direct PLUS Loan Application process must be completed in a single session. It takes approximately 20 minutes to apply for a “parent PLUS loan”

What do I need?

  • Verified FSA ID
  • School Name
  • Student Information
  • Personal Information
  • Employer’s Information

For more information and applications Visit the Official Website


Bernard Bassey is a graduate of Software Engineering from AfriHUB University, Abuja. He is an expert in field journalism, his interest in socio-politics activities is keen.

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