Direct Parent PLUS Loans
If you are a dependent undergraduate student, your biological or adoptive parent (or in some cases, your stepparent) may apply for a Direct Parent PLUS Loan. Grandparents (unless they have legally adopted you) and legal guardians are not eligible to apply for a Parent PLUS Loan on your behalf. The maximum amount a parent can borrow is up to your estimated cost of attendance (COA) minus other financial aid received for the academic year. Learn more about the Direct Parent PLUS Loan program.
Denied Parent PLUS Loan
If your parent is denied a Direct Parent PLUS Loan, you are eligible to receive additional unsubsidized Stafford loans based on your student classification.
| Classification | Parent PLUS Denial Unsubsidized Stafford Loan Academic Year Limit |
|---|---|
| Freshman (1-29 earned credits) | Up to $4000 in Direct Unsubsidized Stafford Loan |
| Sophomore (30-59 earned credits) | Up to $4000 in Direct Unsubsidized Stafford Loan |
| Junior (60-89 earned credits) | Up to $5000 in Direct Unsubsidized Stafford Loan |
| Senior (90+ earned credits) | Up to $5000 in Direct Unsubsidized Stafford Loan |