Apply for a PLUS Loan
If you’ve applied for aid and decided that a PLUS loan is the best fit, your parent can apply through the U.S. Department of Education by completing these steps. Only parents of dependent students can borrow a Direct PLUS Loan.
The maximum amount your parents can borrow is listed as " Other Loan Eligibility" on your award letter.
Have your parent log in to apply.
Select Start PLUS Application Process.
Choose loan type.
Choose the Parent PLUS loan type.
This includes a credit check. You'll also need to specify a loan amount. If you select the maximum amount, we'll process your loan for your maximum eligibility.
Receive loan approval and complete promissory note.
Once you’ve completed the application, you’ll receive notice from the Department of Education if you’re approved or denied.
- If approved, first-time borrowers only will need to continue the process by selecting Complete Master Promissory Note. Repeat borrowers are done.
- If denied, your parent will be presented with several options (e.g., obtain an endorser, appeal the decision, request additional unsubsidized loan for student instead).
If your parent wants to change the loan amount they requested in the application process, the parent who is the borrower of the PLUS loan should send an email to firstname.lastname@example.org. Please include your name (student name), Bethel ID#, and the adjusted amount they want to borrow.
For questions about the PLUS Master Promissory Note or approval status, contact the Loan Origination Center at 1.800.557.7394.