Federal PLUS (Parent) Loans

The Federal PLUS Program is for parents of dependent students and is based on credit-worthiness. Under this program, parents may borrow up to the cost of education at a particular institution minus any financial aid a student receives. Repayment of a PLUS Loan begins within 60 days of final disbursement and can take up to 25 years based on the total outstanding balance.

How Do I Apply for a PLUS Loan?

Eligibility for a PLUS Loan

PLUS Loan Repayment

Loan Comparison Chart

Interest Rates

Federal Legislation Affecting PLUS Loans 

New Deferment Options Available to PLUS Borrowers

Apply Online

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