{"id":5009,"date":"2025-03-27T16:11:22","date_gmt":"2025-03-27T23:11:22","guid":{"rendered":"https:\/\/www.pacific.edu\/blog\/?p=5009"},"modified":"2025-03-28T09:06:30","modified_gmt":"2025-03-28T16:06:30","slug":"everything-your-parents-need-to-know-about-the-parent-plus-loan-application","status":"publish","type":"post","link":"https:\/\/www.pacific.edu\/blog\/2025\/03\/27\/everything-your-parents-need-to-know-about-the-parent-plus-loan-application\/","title":{"rendered":"Everything your parents need to know about the Parent PLUS Loan application \u00a0"},"content":{"rendered":"\n<figure class=\"wp-embed-aspect-16-9 wp-has-aspect-ratio wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube\"><div class=\"wp-block-embed__wrapper\">\n<div class=\"nv-iframe-embed\"><iframe title=\"Parent PLUS loan application tutorial (2025) | University of the Pacific\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/3kOYSFGhEHE?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<\/div><\/figure>\n\n\n\n<p class=\"\">The journey to your college education is filled with excitement, anticipation and a lot of financial planning. If you&#8217;re exploring ways to cover the costs, the federal parent PLUS loan is a common option. It\u2019s a credit-based federal loan that your parent or guardian can take out. This guide will walk you through each step, ensuring easier navigation of the PLUS loan application process.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Step 1: Head to the Federal Student Aid website \u2013 your central hub<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"\">The Parent PLUS Loan application for the 2025-26 academic year opens April 15. Just like completing your FAFSA, your journey begins at the <a href=\"https:\/\/studentaid.gov\/\" target=\"_blank\" rel=\"noreferrer noopener\">Federal Student Aid website<\/a>.\u00a0 This website is the official portal for all federal student aid. Remember, this loan is specifically for <em>parents<\/em>, so you will need them to log in using their own FSA ID and password, not your own. This is an important distinction \u2013 using a student login will lead to processing errors.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Step 2: Locating the PLUS loan application<\/strong>&nbsp;<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">Once logged in, look for the<strong> &#8220;loans and grants&#8221;<\/strong> tab.&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">Within this section, find<strong> &#8220;get a loan&#8221;<\/strong> and then select<strong> &#8220;grad PLUS and parent PLUS.&#8221;<\/strong>&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">You&#8217;ll be presented with various loan options, but for this purpose, choose the <strong>&#8220;direct PLUS loan application for parents.&#8221;<\/strong>&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Step 3: Verification and credit check preparation<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"\">Before diving into the application, your parent will need to verify that they haven&#8217;t placed a freeze on their credit report. If their credit is frozen, they\u2019ll need to contact the credit bureaus to temporarily lift the freeze. This step is essential because the PLUS loan requires a credit check.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Step 4: Entering essential details \u2013 award year and student information<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"\">The next step involves specifying the award year for which they&#8217;re applying. Your parent will also need to provide your student information, including your Social Security number and potentially your date of birth. Ensure this information is accurately displayed before moving on.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Step 5: Designating the school<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"\">Your parent will need to indicate the school where the loan proceeds should be sent. Search for the institution by state and name (e.g., California, University of the Pacific). They will need to double-check that they&#8217;ve selected the correct school before proceeding.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Step 6: Specifying application type and loan amount<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"\">Choose &#8220;new&#8221; if this is their first time applying for a PLUS Loan. Then, your parent will need to decide how much they want to borrow. There are a few options:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\"><strong>Maximum amount:<\/strong> This allows the school to determine the maximum loan amount based on your cost of attendance and other financial aid.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\"><strong>Specific amount:<\/strong> If they know the exact amount you need, enter it here. Remember to factor in the loan fees, which as of March 2025 are approximately 4%. They can use the calculator provided on the web page to ensure your family&nbsp;borrows enough to cover the actual costs.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\"><strong>Unknown amount:<\/strong> While this option exists, it&#8217;s not recommended. Schools will likely follow up, which will delay the process.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Step 7: Defining the loan period and deferment options<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"\">In this section, specify the loan period, typically one academic year (e.g., August 2025 to May 2026). It&#8217;s important to understand that PLUS Loan applications are for one school year only, not for the entire duration of your education.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"\">Your parent will also be asked about deferment. This allows them to postpone payments while you\u2019re enrolled at least half-time and for an additional six-month grace period after you graduate or stop attending school. Electing deferment is generally recommended.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"\">It\u2019s important to remember that PLUS Loans still accrue interest during deferment periods. This means that while your parent is not required to make payments, the loan balance is still growing due to interest.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Step 8: Loan usage and disbursement<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"\">Your parent will need to indicate whether they want the loan to cover other education-related charges, such as lab fees. Then, they will decide whether to receive any excess funds or have them sent directly to you, the student.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Step 9: Relationship and other verifications<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"\">Your parent will need to clarify their relationship with you (biological, adoptive or step-parent) and confirm your citizenship status. Only U.S. citizens, nationals, permanent residents or other eligible non-citizens are eligible for the PLUS Loan.&nbsp;<\/p>\n\n\n\n<p class=\"\">Next, your parent will need to verify their address, contact and employer information. Finally, they&#8217;ll authorize the Department of Education to conduct a credit check.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Step 10: Review, submit and credit decision<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"\">Your parent will need to carefully review all the information they&#8217;ve entered before submitting the application. They will receive an immediate credit decision:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\"><strong>Approved:<\/strong> Proceed to complete the master promissory note (<a href=\"https:\/\/studentaid.gov\/mpn\/\" target=\"_blank\" rel=\"noreferrer noopener\">MPN<\/a>).&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\"><strong>Denied:<\/strong> Your parent will have options that include appealing the decision, using an endorser or increasing your unsubsidized loan.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"\">If approved, complete the MPN on <a href=\"https:\/\/studentaid.gov\/\" target=\"_blank\" rel=\"noreferrer noopener\">Federal Student Aid website<\/a>. This is a legally binding agreement to repay the PLUS loan.&nbsp;<\/p>\n\n\n\n<p class=\"\">By following these steps, your parent can confidently navigate the Parent PLUS Loan application process and make the first steps in your educational journey at Pacific. Remember, Pacific\u2019s Office of Financial Aid is here to help, so reach out with any questions.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"\"><strong>Contact Pacific\u2019s Office of Financial Aid:&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\"><a href=\"mailto:financialaid@pacific.edu\" target=\"_blank\" rel=\"noreferrer noopener\">financialaid@pacific.edu<\/a>&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">209.946.2421&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The journey to your college education is filled with excitement, anticipation and a lot of financial planning. If you&#8217;re exploring ways to cover the costs, the federal parent PLUS loan is a common option. It\u2019s a credit-based federal loan that your parent or guardian can take out. This guide will walk you through each step,&hellip;&nbsp;<a href=\"https:\/\/www.pacific.edu\/blog\/2025\/03\/27\/everything-your-parents-need-to-know-about-the-parent-plus-loan-application\/\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Everything your parents need to know about the Parent PLUS Loan application \u00a0<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":5017,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","_themeisle_gutenberg_block_has_review":false,"_ti_tpc_template_sync":false,"_ti_tpc_template_id":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[427],"tags":[527,24],"class_list":["post-5009","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-apply","tag-tutorials","tag-financial-aid"],"yoast_head":"\n<title>Everything your parents need to know about the Parent PLUS Loan application \u00a0 - People of Pacific<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pacific.edu\/blog\/2025\/03\/27\/everything-your-parents-need-to-know-about-the-parent-plus-loan-application\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Everything your parents need to know about the Parent PLUS Loan application \u00a0 - People of Pacific\" \/>\n<meta property=\"og:description\" content=\"The journey to your college education is filled with excitement, anticipation and a lot of financial planning. If you&#8217;re exploring ways to cover the costs, the federal parent PLUS loan is a common option. It\u2019s a credit-based federal loan that your parent or guardian can take out. 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