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[QUOTE]A Parent PLUS Loan to meet students' education costs is available through both the FFEL and Direct Stafford Program. Parents who have an acceptable credit history can borrow a Parent PLUS Loan to pay the education expenses of a child who is a dependent student enrolled at least half time in an eligible program at an eligible school.
Your parents fill out a Parent PLUS Loan application, which is available from your school's financial aid office.
To be eligible to receive a Parent PLUS Loan, your parents generally will be required to pass a credit check. A parent cannot be turned down for having no credit history -- only for having an adverse one. If your parents don't pass the credit check, they may still be able to receive a PLUS if someone, such as a relative or friend who is able to pass the credit check, agrees to endorse the loan. An endorser promises to make payments if your parents fail to do so. Your parents may also qualify without passing the credit check if they can demonstrate that extenuating circumstances exist. You and your parents must also meet other general eligibility requirements for federal student financial aid. [/QUOTE]



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