Federal Direct Parent PLUS Loan ApplicationFinancial Aid 2025

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The U.S. Department of Education makes Direct PLUS Loans to eligible parents through schools participating in the Direct Loan Program. (We also offer PLUS loans for graduate or professional students.) A Direct PLUS Loan is commonly referred to as a parent PLUS loan when made to a parent borrower.
Servicers expect to complete the necessary technical updates to be ready to begin moving borrowers back into repayment no earlier than September 2025. Because this transition will take time, servicers expect first payments to be due no earlier than December 2025.
Completing the Online Application: (Note: The online PLUS application for 2025-2026 should not be submitted before June 1, 2025.) You may apply for a Direct PLUS Loan at studentaid.gov.
The deadline for parent PLUS loan applications varies by institution. The federal deadline for the FAFSA is June 30 of each award year, but many institutions have earlier deadlines. Check with your childs school to see when the deadline for completing a parent PLUS loan is.
But during the Direct PLUS Loan Application process, youll go through a credit check to confirm one specific requirement: not having an adverse credit history. a recent bankruptcy discharge, tax lien, wage garnishment, or foreclosure.
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People also ask

This process is often called the double consolidation loophole. But that door is about to slam shut. Its called the 2025 parent PLUS cliff, and after it closes, there will be no way to obscure the origin of your parent PLUS loans, and you wont be able to take advantage of the new SAVE plan.

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