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Parental Loans for Undergraduate Students (PLUS)
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The PLUS is a long-term loan program with a variable interest rate. Funds are available through participating lending agencies. This program is designed to assist parents in meeting the educational cost of their dependent student. The parent is the borrower and is responsible for repayment of the loan. These loans may substitute for the expected family contribution but may not exceed the cost of education minus other aid. Parent borrower eligibility is based solely on the ability to pay and a good credit record. Most lenders offer online pre-approval. Generally, repayment must begin 60 days after receipt of a check unless the parents qualify for deferment.

How to Apply

A separate PLUS application is required each academic year. One half of the academic year loan is disbursed each semester.

Borrower eligibility is based solely on ability to pay and a good credit record. Parents borrow through participating lenders and complete their pre-qualification application (most lenders offer pre-qualification on-line or over the telephone).

Once your parent is pre-approved for a PLUS loan, we will certify the loan electronically.

Disbursement of PLUS Funds

The lender will send funds via Electronic Funds Transfer (EFT) to the University for one-half of the academic year loan at the start of each semester. Confirmation of student eligibility is reviewed and if no outstanding balance is on your university account.


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