Financial Aid

PLUS Loans


The Federal Direct Parent PLUS Loan program is available to parents of dependent undergraduate students. 


All Applications must be printed,

filled out by hand and then sent back to the Financial Aid Office: 

upload docs to

Plus Loan Application    


When Do I Apply?

Parent borrowers must reapply each year and for adjustments after credit expires. Credit decisions are valid for 180 days.

How Much Do I Request?

Please see Plus loan Calculator below.

Loan Limits

May borrow up to the cost of attendance minus any financial aid the student is receiving.

Parent PLUS Loans for Spring Term

Spring Term PLUS loans require a separate loan to be originated. Applications for Spring Term loans should be submitted no later than February 1st to avoid delays.

Learn more about Spring Term including costs here!

Understanding the PLUS Loan 

Available to parents (including adoptive parents or stepparents) of dependent undergraduate students, if they are credit-worthy applicants. To be eligible to apply, the parent must be a U.S. citizen or permanent resident and the student must have filed a current FAFSA.



PLUS Loan Calculator 

The Parent PLUS loan has a fee that is a percentage of the total loan amount. The loan fee is deducted proportionately from each loan disbursement you receive while enrolled in school. This means the money you receive will be less than the amount you actually borrow. You’re responsible for repaying the entire amount you borrowed and not just the amount you received.Need help calculating the PLUS Loan Fee?  Use the calculator below! 

Enter the Desired Loan Amount: 
$ .00
(enter an estimated balance here or the balance shown on the statements.)

Origination Fee
$ .00

Borrowing Amount Accounting For The Fee: 
$ .00
Enter this Loan Amount on your PLUS Loan Application.


It is the sole responsibility of the parent borrower to ensure they are borrowing the amount needed. Review the student’s billing statement each semester to ensure you have borrowed the amount you need. Contact our office if you would like to change your loan amount.

Please Note: Loan amount(s) may be reduced depending on eligibility.
If additional financial assistance or other educational resources are received by the student after the Direct PLUS loan is certified, one or both of the loan disbursements may be reduced or cancelled to prevent over-awards. An example of other resources might be a student who received a $500 scholarship from the Red Cross.

After Applying



Review the resources below if you still have questions about the PLUS Loan. Below are helpful forms and Financial Aid TV videos to help you with anything and everything about the PLUS Loan! If there is something you don’t see, then call or email our office! 
P: 989-463-7347


How do I complete the Parent PLUS Loan? 

How to Request a Deferment on my Parent PLUS Loan?

Who is my Lender for my Parent PLUS Loan?