Steps for Parents to Apply for a Direct Plus Loan

(Please print and follow these instructions)

The William D. Ford Direct Parent Loan for Undergraduate Students (PLUS) is a loan that you may be able to borrow on behalf of your child as part of his/her financial aid award package. This loan is subject to credit approval by the U.S. Department of Education. Please note that grandparents, legal guardians and other family members do not qualify to borrow a PLUS on behalf of the dependent student. A dependent student is one who meets the criteria outlined on the FAFSA 2009-2010 worksheet or application. Please refer to these documents for the federal definition for a dependent student. Your child should first complete the 2010-11 Free Application for Federal Student Aid (FAFSA).

Step 1
To initiate the processing of the PLUS, only one parent should complete the Federal Direct PLUS Loan Data Application Sheet. Click Direct Loan Data Sheet, complete and mail or fax to the Office of Student Financial Assistance, 75 Grasslands Road, Valhalla, N.Y. 10595 – (Fax 914-606-7807).

Step 2
Visit to complete a Parent PLUS Master Promissory Note. Enter your federal PIN number as a signature as prompted. You may obtain a PIN number if you do not have one by visiting

Step 3
When the school receives your completed Direct Loan Data Application Form, the Office of Student Financial Assistance will process an estimated PLUS loan based on the amount requested and the amount for which you may be eligible. This information will be sent on to the Department of Education by the school through a process called Origination. This prompts the federal processor to conduct a credit check.

Step 4
You will receive a written notification of the credit decision from the U.S. Department of Education within 7-14 business days of processing.

If your credit was denied, your child should contact the Office of Student Financial Assistance to discuss extended unsubsidized loan options. Please note that all questions regarding credit decisions should be directed to the Borrower Services at the U.S. Department of Education Direct Loan Applicant Services at