Steps to Apply for a Federal Direct Parent PLUS Loan on StudentAid.gov

1. The parent borrowing the Parent PLUS Loan must log in to Studentaid.gov using his or her (the parent's) Federal Student Aid (FSA) ID:
   
   
   
   
2. Once logged in, click on Apply for Aid and then Apply for a Parent PLUS Loan:
   
   

 

3. Carefully read the information and then click Start:
   
   

4. Provide all information requested on the PLUS Loan Application – Be sure you select the correct Award Year for which you are borrowing the PLUS Loan. For example:  If the PLUS Loan is for the Fall 2019 and/or Spring 2020, or Summer 2020 you would select 2019-20.  If the PLUS Loan is for the Fall 2020 and/or Spring 2021, or Summer 2021, you would select 2020-21 (once available):
   
   

 

5. Carefully read the information under the section Deferment While Student is Enrolled in School and be sure to check “Yes” or “No” to the question at the end.

 

6. Carefully read the information under the section Request for 6-Month Post-Enrollment Deferment and then answer “Yes” or “No” to the question at the end.
   
   

 

7. Indicate IF you authorize UGA Student Account Services to use the PLUS Loan funds to pay other educationally related charges on your student’s account:
   
   
   
   
8. Indicate IF you wish UGA Student Account Services to disburse directly to you or directly to your student any PLUS Loan funds that may remain after your student’s charges for the semester have been paid. Note that if you wish any remaining loan funds to be delivered via direct deposit to a bank account, you must select “The Student”.
   
   
   

9. Select the University of Georgia using the search or filters provided:
   
   
   
   
10. Indicate the Parent PLUS amount you wish to borrow for the Award Year:
    
    
    

Note that the UGA Office of Student Financial Aid (OSFA) will contact the parent to confirm the PLUS Loan amount if the parent selects the third option “I don’t know the amount I want to borrow…”

11. You must specify the Loan Period for which you are requesting the Parent PLUS Loan. For the 2019-20 Award Year your options are:

Loan Period Requested	Requested Loan Period Start Date	Requested Loan Period End Date
Fall 2019 & Spring 2020	August 2019	May 2020
Fall 2019 only	August 2019	December 2019
Spring 2020 only	January 2020	May 2020
Summer 2020 only	May 2020	August 2020

 

For the 2020-21 Award Year (once available) your options are:

Loan Period Requested	Requested Loan Period Start Date	Requested Loan Period End Date
Fall 2020 & Spring 2021	August 2020	May 2021
Fall 2020 only	August 2020	December 2020
Spring 2021 only	January 2021	May 2021
Summer 2021 only	May 2021	August 2021

 

The following is an example of a Parent PLUS Loan request for the Fall 2017 & Spring 2018 loan period.  Once you have entered the Requested Loan Period Start and End Dates, click “Continue” to then enter your personal information, credit check authorization and reference information.

 

12. After you have completed the Parent PLUS Loan Application, you will also need to complete a Master Promissory Note (MPN) for a Parent PLUS Loan unless you previously completed a Parent PLUS Loan MPN while the student was enrolled at UGA and the previous MPN did not require you to obtain an endorser. If you need to complete a Parent PLUS MPN, see Steps to Complete a Direct Loan Master Promissory Note (MPN) on StudentLoans.gov.

 

13. PLUS Counseling is only required when the borrowing parent has an adverse credit history, but qualifies for the PLUS Loan by documenting extenuating circumstances or obtaining an endorser. The U.S. Department of Education will inform the parent if he or she must complete this counseling as part of the application process.