The application for Parent PLUS loans is completed at studentaid.gov
The parent applying should log in to studentaid.gov using the FSA ID that you signed your student's FAFSA with. If you need to obtain an FSA ID, you can do so here.
Please ensure that the parent completing the application is the one who logs in to the site, and not the student. This is a common mistake, and creates an invalid application.
The application takes about fifteen minutes to complete. You receive an immediate decision on whether you are approved. If approved for the loan, you must complete a Master Promissory Note (MPN) and an Annual Student Loan Acknowledgement (ASLA) on the same website. Financial Aid and Scholarships will not be able to disburse the PLUS loan if the MPN and ASLA are not completed.
If you are declined for the Parent PLUS loan, you have three options.
1. You can appeal the decision with the Department of Education (DOE). DOE will then review your appeal and make a decision on whether to approve the application on appeal.
2. You can add a credit worthy endorser (co-signer) to the application. The application is likely to be approved if an endorser is added, provided the endorser has no negative items in their recent credit history.
3. Your student can request additional Unsubsidized Direct Loan funds due to the Parent PLUS loan denial. This can be done by submitting a completed Petition for Reevaluation, which can be found on our forms and publications page. Please bear in mind that there is a maximum amount we can award in additional Unsubsidized Direct Loan It may not fully replace the amount that you were applying for in a PLUS loan.
If you choose options 2 or 3, you will need to complete a loan counseling on studentaid.gov before the loan can be processed.