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PLUS Application Process
Parents are strongly encouraged to pursue all other forms of financial aid before borrowing a PLUS Loan. You and your student should first complete and submit the Free Application for Federal Student Aid (FAFSA). The postsecondary school your student will be attending prepares a notification which details the financial aid package (grants, work-study, scholarships, loans, etc.) awarded to the student. PLUS Loans can be used to cover unmet financial need or help with meeting the expected family contribution.
If this is your first PLUS Loan for your student, a Master Promissory Note (MPN) must be completed. Check with your school to determine if you need to complete a MPN.
The parent is the applicant for a PLUS Loan.
- The parent's credit must be approved in order to receive the loan.
- Eligibility is not based on financial need.
- The amount borrowed may not exceed total educational expenses less total financial aid received from all other sources.
- The parent must review the Rights and Responsibilities in obtaining a PLUS Loan.
- The school determines and certifies the loan amount.
The Electronic Process
Most postsecondary schools participate in an electronic PLUS Loan process enabling you to complete the application online. National Education works with schools to provide the fastest and easiest electronic loan process possible. If your school does not appear in the drop down box on our application, please contact your school.
The Paper Process
If your postsecondary school uses paper processing methods:
- Obtain an application from your school or from us. You can download an application from this site or call us at 1-800-345-4325.
- Complete and sign the Borrower Section. Be sure to list National Education as your lender to take advantage of our low rates, borrower benefits and service.
- Read your Rights and Responsibilities and all applicant information.
- Submit the application to your school for completion of the School Certification Section.
- Your school will forward your application to National Education.
- National Education will perform a standard credit review.
- Once the loan is approved, we will disburse the funds to your school on the dates requested.