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You are here: Home / Types of Aid / Loans / Federal Direct Parent PLUS Loan / Eligibility


To be considered for the Parent PLUS loan:

Grandparents or other relatives may not apply as borrowers

  • Your student must meet Federal and Penn State Financial Aid Eligibility Requirements
  • You, the parent of a dependent undergraduate student, must be the biological, adoptive, or step-parent
  • You must be a U.S. citizen or eligible non-citizen (permanent resident)
  • You must not be in default on repayment of federal aid
  • You must consent to, and pass a credit check by the U.S. Department of Education

Your debt-to-income ratio, credit score, and employment status are not taken into consideration; however, adverse credit typically results in a PLUS loan denial.

For more information about adverse credit, visit, click on the subheading "Credit Check" then the question "What is Adverse Credit?"

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