Form Approved Exp 2026

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  1. Click ‘Get Form’ to open it in the editor.
  2. Begin with Section 1: Borrower Information. Fill in your Social Security Number, name, address, and contact details. If any information has changed, check the corresponding box.
  3. Move to Section 2: Household Income and Monthly Expenses. Accurately list your monthly income sources and expenses as outlined. Ensure you include documentation if requested by your loan holder.
  4. In Section 3, provide details about your family size and spouse identification if applicable. This section is crucial for determining your eligibility for rehabilitation.
  5. Review Section 4: Understandings, Certifications, and Authorization. Read through the statements carefully and ensure you understand the implications of signing this form.
  6. Finally, follow the instructions in Section 5 for submitting the completed form. Make sure to return it to the specified address.

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(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. If you have problems with the online application process you can contact Direct Loan Applicant Services at 1-800-433-3243 for assistance.
If youre a parent or graduate student seeking a Direct PLUS Loan, one of the requirements to qualify is that you must not have an adverse credit history.
Adverse Credit History Options If you have an adverse credit history, you may still receive a parent PLUS loan through one of these two options: Obtaining an endorser who does not have an adverse credit history. An endorser is someone who agrees to repay the parent PLUS loan if you do not repay it.
Unless you have current collections its pretty easy to get approved for a parent loan, your credit score is fine. If youre declined you can appeal and prove youve paid off anything.
One of the biggest benefits of Parent PLUS Loans is that they allow parents to borrow up to the cost of attendance to help their child pay for college. Another pro is that there are no minimum credit score requirements.

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