2010 Summer School Federal Direct PLUS Loan Request-2025

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You can apply at any time. However, to avoid late payments to your school of choice, you do need to give the lender plenty of time to disburse the funds. The timeline for getting approved for a private student loan depends on the lender, but generally you can expect it to take anywhere from a few hours to a month.
Parents who will be taking out a parent plus loan on behalf of their student to cover Summer or Intersession tuition, should follow the instructions and submit the Parent Plus Loan Form for the correct term.
The Health Care and Education Reconciliation Act of 2010 (HCERA) ended private-sector lending under the Federal Family Education Loan Program (FFELP) starting July 1, 2010; all subsidized and unsubsidized Stafford loans, PLUS loans, and Consolidation loans are under the Federal Direct Loan Program.
You will need to be registered for classes at least half-time (which is usually six credits) in order to qualify for federal loans for summer classes. Again, you should check with your school to make sure you have enough credits to be considered half-time enrolled. There are also dollar limits on federal financial aid.
The Federal Direct PLUS loan program is designed to assist parents of dependent undergraduate students who are unable to meet their expected parental contribution or have additional financial need that is not met with other financial aid resources.
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Federal Direct Loans Summer loans may be available to students who have remaining annual loan eligibility and are enrolled at least half time. Students interested in borrowing Federal Student Loans for Summer must submit a Financial Aid Advising Request form no later than the deadline published.
Summer financial aid falls under the 2025-2026 award year. Domestic students should complete the 2025-2026 FAFSA to ensure they are considered for all eligible need-based financial aid, including federal student loans.

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