Federal Direct Parent PLUS Loan

The Federal Direct Parent PLUS Loan is a low-interest, unsubsidized federal loan that allows a parent (biological, adoptive, or in some cases, step-parent) of a dependent student to assist in paying for the student's college education.


  • The student and his or her parent(s) and/or step-parent must submit the Free Application for Federal Student Aid (FAFSA). The FAFSA will determine the student's eligibility for all federal student aid programs, including the Parent PLUS Loan.
  • Students do not have to demonstrate financial need to be eligible for this loan.
  • The annual maximum loan amount is based on the student's cost of attendance less other financial aid received.
  • The parent-borrower must be the student's biological or adoptive parent. If a step-parent applies for the Parent PLUS loan, they must be listed on the FAFSA.

Eligibility requirements

  • Students must be enrolled at least half-time (6 credit hours during fall/spring and 5 credit hours during summer).
  • The parent-borrower must not have adverse credit history.
  • Students must meet the eligibility requirements for the federal student aid programs.


For additional information on the Federal Direct Parent PLUS Loan, please visit the U.S. Department of Education.