This is a preview of the electronic process for the Federal Direct PLUS Loan Request for Supplemental Information.
The electronic process is the OMB approved form that must be submitted for processing.


Federal Direct PLUS Loan Request for Supplemental Information
William D. Ford Federal Direct Loan Program

Warning: Any person who knowingly makes a false statement or misrepresentation on this form will be subject to penalties which may include fines, imprisonment, or both, under the U.S. Criminal Code and 20 U.S.C. 1097.

This is a request for supplemental information in connection with your application for a Federal Direct PLUS Loan (Direct PLUS Loan) through the William D. Ford Federal Direct Loan (Direct Loan) Program. Some schools may have a different process for obtaining the additional information needed to process your Direct PLUS Loan application.

The information that you provide will be sent to the school that you select. The school you select will use the information collected to determine your eligibility for a Direct PLUS Loan and process your application.

Before you can receive a Direct PLUS Loan, you must complete a Direct PLUS Loan Master Promissory Note (Direct PLUS Loan MPN), which explains all of the terms and conditions of Direct PLUS Loans and constitutes your legally binding agreement to repay all Direct PLUS Loans that you receive under the Direct PLUS Loan MPN. You will have an opportunity to complete the Direct PLUS Loan MPN after you complete the Direct PLUS Loan Request.

The Direct PLUS Loan Request allows you to authorize the school to use your loan funds to satisfy other educationally related charges after tuition and fees, and room and board have been paid. You are not required to provide this authorization.

If you are a parent borrower, the Direct PLUS Loan Request also allows you to:

Some schools may have a different process for obtaining the additional information needed to process your Direct PLUS Loan application. You may verify that your school participates in this process after you select a borrower type below or by contacting the school's financial aid office.

Your school will tell you what loans, if any, you are eligible to receive. If you have questions regarding your loan eligibility, the next steps in the processing of your loan, when the loan will be disbursed (paid out), or no longer wish to receive the loan, contact your school's financial aid office.

1.
Select borrower type:
Graduate/Professional Student Borrower
[Direct PLUS Loans available to eligible graduate/professional students.]

Parent Borrower
[Direct PLUS Loans available to eligible parents of eligible dependent undergraduate students.]

2.
Select Award Year


STUDENT INFORMATION - REQUIRED ONLY IF YOU ARE A PARENT BORROWER

Select student from dropdown or enter student information
Verify Social Security Number and Date of Birth displayed.

3.
Student's Name (first name/middle initial/last name/suffix)

Provide name and Roman numerals for the name suffix. Example: Write the last name as Smith III, instead of Smith 3rd.

If you have only one name, enter it as the Last Name.






4.
Student's Social Security Number



5.
Student's Date of Birth



6.
Student's Permanent Address
Address (line 1):
Address (line 2):
City:
State/U.S. Territory:
Zip Code:
Country:


7.
Student's Area Code/Telephone Number


8.
Request for Deferment While Student is Enrolled in School

Do you want to defer repayment of your Direct PLUS Loan while the student on whose behalf you obtained the loan is enrolled at an eligible school on at least a half-time basis?

If you select yes below, your servicer will contact you shortly before your Direct PLUS Loan enters repayment. A Direct PLUS Loan enters repayment on the date the final disbursement of the loan is made. At this time, your servicer will:

  1. Provide you with the complete terms and conditions of the deferment; and
  2. Give you the opportunity to cancel your deferment request and begin making payments on your loan.

Unless you cancel your deferment request, your servicer will grant a deferment on your Direct PLUS Loan that will begin on the date your Direct PLUS Loan enters repayment, and will end on the date the student ceases to be enrolled on at least a half-time basis or, if you request the additional deferment period described below, six months after the student ceases to be enrolled on at least a half-time basis.

During the deferment period, you will not be required to make any payments on your Direct PLUS Loan. However, interest will continue to accrue. You will receive interest statements during the deferment period and may pay the accruing interest at any time. Any interest that you do not pay will be capitalized (added to your loan principal balance) at the end of the deferment period. Capitalization will increase your loan principal amount and the total cost of your loan.

If you select No below, the first payment on your Direct PLUS Loan will be due within 60 days after the date of the last disbursement of the loan. Your servicer will notify you of your payment due date and payment amount. If you later change your mind and decide that you wish to defer payments while the student is in school, you may request a deferment at any time while the student remains enrolled on at least a half-time basis.




9.
Request for 6-Month Post-Enrollment Deferment

Do you want to defer repayment of your Direct PLUS Loan for an additional 6 months beginning on the date the student ceases to be enrolled on at least a half-time basis?

If you select yes below, your servicer will contact you shortly before your Direct PLUS Loan enters repayment. A Direct PLUS Loan enters repayment on the date the final disbursement of the loan is made. At this time, your servicer will:

  1. Provide you with the complete terms and conditions of the deferment; and
  2. Give you the opportunity to cancel your deferment request and begin making payments on your loan.

Unless you cancel your deferment request, your servicer will grant a deferment on your Direct PLUS Loan that will begin on the date the student ceases to be enrolled on at least a half-time basis and will end six months after that date.

During the deferment period, you will not be required to make any payments on your Direct PLUS Loan. However, interest will continue to accrue. You will receive interest statements during the deferment period and may pay the accruing interest at any time. Any interest that you do not pay will be capitalized (added to your loan principal balance) at the end of the deferment period. Capitalization will increase your loan principal amount and the total cost of your loan. If you also requested a deferment while the student is enrolled in school on at least a half-time basis, unpaid interest that accrues during both deferment periods will be capitalized only once, at the end of the additional 6-month deferment period.

If you select no below and you requested a deferment while the student is enrolled on at least a half-time basis, the first payment on your Direct PLUS Loan will be due within 60 days after the date the student ceases to be enrolled on at least a half time basis. Your servicer will notify you of your payment due date and payment amount. If you later change your mind and decide that you wish to defer payments for an additional six months after the student ceases to be enrolled on at least a half-time basis, you may request a deferment at any time while the student remains enrolled on at least a half-time basis.


AUTHORIZATION FOR SCHOOL TO USE LOAN FUNDS TO SATISFY OTHER CHARGES

10.

Your Direct PLUS Loan will be applied to your or (if you are a parent borrower) the student's school account to pay for tuition and fees, and room and board. By selecting the box below, you may authorize the school to use your Direct PLUS Loan to satisfy other educationally related charges that you or (if you are a parent borrower) the student incurred at the school. Examples of other charges that may be paid with your authorization include, but are not limited to, library fines, campus parking tickets, lab fees, and charges for minor damage to school property. You are not required to provide this authorization. If you provide this authorization, you may revoke or modify the authorization at any time by contacting the school.

11.
Credit Balance Option

Your Direct PLUS Loan will first be applied to the student's school account to pay for tuition and fees, room and board, and, if you provide authorization, other educationally related charges. Any loan amount that remains after these charges have been paid is called a credit balance. You may choose to have the school pay the credit balance directly to you or to the student.

If there is a credit balance after your Direct PLUS Loan has been applied to the student's school account, to whom do you want the school to pay the credit balance?




SCHOOL AND LOAN INFORMATION

12.
Select the school at which you are requesting a Direct PLUS Loan.

School Code/Branch: [Displays once a school is selected]

School Address: [Displays once a school is selected]

[If a school is not participating in this on-line Direct PLUS Loan Request process, the following message displays:
Your school has chosen to not use this on-line form to request Direct PLUS Loans for eligible (graduate/professional students or parents of eligible undergraduate students). Contact your school's financial aid office for guidance.]


13.
Specify a reason for submitting this Direct PLUS Loan Request:

[ONLY displays if a DIRECT PLUS LOAN REQUEST FOR THE SAME SCHOOL, SAME STUDENT AND SAME AWARD YEAR is submitted by the same person.]

Select the PLUS Loan Request you want to modify:

Previous Loan Reference Number:

14.
Loan Amount Requested
For each academic year, you may borrow up to - but not more than - the school's cost of attendance, minus the amount of other financial assistance that you receive (if you are a graduate or professional student) or that the student receives (if you are a parent borrower). The school determines the cost of attendance based on federal guidelines. It is important not to borrow more than you can afford to repay, even if you are eligible to borrow more.


15.
Loan Period

Specify the loan period for which you are requesting a Direct PLUS Loan:

The loan periods displayed are those that your school most commonly uses. If you do not see a loan period that coincides with the period for which you are requesting a Direct PLUS Loan, you may choose "Other" if your school has opted to participate in that option. If you choose "Other," you will be asked to enter the beginning and ending dates (month and year) of your requested loan period. If you do not know the loan period for which you want to borrow contact your school's financial aid office.

Loan Period Requested
Requested Loan Period Start Date
Month and Year
Requested Loan Period End Date
Month and Year

BORROWER INFORMATION

16.
Social Security Number
[Prefilled based on information associated with log in information, cannot be changed]



17.
Name
[Prefilled based on information associated with log in information, cannot be changed]



18.
Date of Birth
[Prefilled based on information associated with log in information, cannot be changed]



19.
Citizenship Status
[Applicable ONLY if you are a parent borrower]

Select the option that corresponds to your citizenship status. If you choose Permanent Resident/Other Eligible Non-Citizen, enter your Alien Registration Number.

  1. "U.S. Citizen" includes citizens of the 50 states, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, and the Northern Mariana Islands. "National" includes not only all U.S. citizens, but also citizens of American Samoa and Swain's Island.

  2. "Permanent Resident" means someone who can provide documentation of this status from the U.S. Citizenship and Immigration Services (USCIS). "Other Eligible Non-Citizen" includes individuals who can provide documentation from the USCIS that they are in the United States for a purpose that is not temporary, with the intention of becoming a citizen or permanent resident. This category includes refugees, persons granted asylum, Cuban-Haitian entrants, temporary residents under the Immigration Reform and Control Act of 1986, and others.

NOTE: If your citizenship status is not one of the categories described above, you are not eligible to receive a Direct PLUS Loan.]



20.
Loan Default Status

If you are in default on any loan received under the Direct Loan Program, the Federal Family Education Loan (FFEL) Program, or the Federal Perkins Loan (Perkins Loan) Program (including National Direct Student Loans), you are not eligible to receive a Direct PLUS Loan unless you have made satisfactory repayment arrangements with the loan holder to repay the amount owed.

[Displays if applicant is not in default]

You are not in default on any federal student loans.

Based on information received from the National Student Loan Data System, you are not in default on any federal student loans.

[Displays if applicant is in default]

You are in default on one or more federal student loans.

Based on information received from the National Student Loan Data System, you are in default on one or more federal student loans.

You aren't eligible to receive a Direct PLUS Loan. If this information is incorrect or you have made satisfactory repayment arrangements, contact your school to provide supporting documentation.

[Displays if default status can not be determined]

Your default status can not be determined at this time.

Contact your school for further assistance.




21.
Permanent Address
[May be prefilled]
Address (line 1):
Address (line 2):
City:
State/US Territory:
Zip Code:
Country:



22.
Is your mailing address different from your permanent address?

Permanent Address :




23.
Mailing Address
Address (line 1):
Address (line 2):
City:
State/US Territory:
Zip Code:
Country:

If your mailing address is a post office box or a general delivery, you must list both your permanent address and your mailing address.




24.
You have not provided an address within the United States (U.S.). Do you have a U.S. Address? Yes or No

[Applicable only if permanent and mailing addresses are foreign addresses.]

U.S. Address

[Applicable only if permanent and mailing addresses are foreign addresses.]

If you are attending school in the U.S., provide the U.S. address you are using while attending school.]

Address (line 1):
Address (line 2):
City:
State/US Territory:
Zip Code:
Country:



25.
Area Code/Telephone Number
[May be prefilled]

Enter the area code and telephone number at which you can most easily be reached. If you do not have a telephone, enter N/A.




26.
E-Mail Address

Enter your preferred e-mail address for receiving communications from StudentLoans.gov. You are not required to provide this information. If you do, we may use your e-mail address to communicate with you.

Confirm E-Mail Address



EMPLOYER INFORMATION

Employer Information
27.
Employer Name OR

[May be prefilled]




28.
Employer Address
[May be prefilled]
Employer Address (line 1):
Employer Address (line 2):
City:
State/US Territory:
Zip Code:
Country:
Work Phone Number:

Review all information and verify that it is correct.




29.
Certifications

You must review the IMPORTANT NOTICES.



IMPORTANT NOTICES

GRAMM-LEACH-BLILEY ACT NOTICE

In 1999, Congress enacted the Gramm-Leach-Bliley Act (Public Law 106-102). This Act requires that lenders provide certain information to their customers regarding the collection and use of nonpublic personal information.

We disclose nonpublic personal information to third parties only as necessary to process and service your loan and as permitted by the Privacy Act of 1974. See the Privacy Act Notice below. We do not sell or otherwise make available any information about you to any third parties for marketing purposes.

We protect the security and confidentiality of nonpublic personal information by implementing the following policies and practices. All physical access to the sites where nonpublic personal information is maintained is controlled and monitored by security personnel. Our computer systems offer a high degree of resistance to tampering and circumvention. These systems limit data access to our staff and contract staff on a "need-to-know" basis, and control individual users' ability to access and alter records within the systems. All users of these systems are given a unique user ID with personal identifiers. All interactions by individual users with the systems are recorded.

PRIVACY ACT NOTICE

The Privacy Act of 1974 (5 U.S.C. 552a) requires that the following notice be provided to you:

The authority for collecting the requested information from and about you is 451 et seq. of the Higher Education Act (HEA) of 1965, as amended (20 U.S.C. 1087a et seq.) and the authorities for collecting and using your Social Security Number (SSN) are 428B(f) and 484(a)(4) of the HEA (20 U.S.C. 1078-2(f) and 1091(a)(4)) and 31 U.S.C. 7701(b). Participating in the William D. Ford Federal Direct Loan (Direct Loan) Program and giving us your SSN are voluntary, but you must provide the requested information, including your SSN, to participate.

The principal purposes for collecting the information on this form, including your SSN, are to verify your identity, to determine your eligibility to receive a loan or a benefit on a loan (such as a deferment, forbearance, discharge, or forgiveness) under the Direct Loan Program, to permit the servicing of your loan(s), and, if it becomes necessary, to locate you and to collect and report on your loan(s) if your loan(s) become delinquent or in default. We also use your SSN as an account identifier and to permit you to access your account information electronically.

The information in your file may be disclosed, on a case-by-case basis or under a computer matching program, to third parties as authorized under routine uses in the appropriate systems of records notices. The routine uses of this information include, but are not limited to, its disclosure to federal, state, or local agencies, to private parties such as relatives, present and former employers, business and personal associates, to consumer reporting agencies, to financial and educational institutions, and to guaranty agencies in order to verify your identity, to determine your eligibility to receive a loan or a benefit on a loan, to permit the servicing or collection of your loan(s), to enforce the terms of the loan(s), to investigate possible fraud and to verify compliance with federal student financial aid program regulations, or to locate you if you become delinquent in your loan payments or if you default. To provide default rate calculations, disclosures may be made to guaranty agencies, to financial and educational institutions, or to state agencies. To provide financial aid history information, disclosures may be made to educational institutions. To assist program administrators with tracking refunds and cancellations, disclosures may be made to guaranty agencies, to financial and educational institutions, or to federal or state agencies. To provide a standardized method for educational institutions to efficiently submit student enrollment status, disclosures may be made to guaranty agencies or to financial and educational institutions. To counsel you in repayment efforts, disclosures may be made to guaranty agencies, to financial and educational institutions, or to federal, state, or local agencies.

In the event of litigation, we may send records to the Department of Justice, a court, adjudicative body, counsel, party, or witness if the disclosure is relevant and necessary to the litigation. If this information, either alone or with other information, indicates a potential violation of law, we may send it to the appropriate authority for action. We may send information to members of Congress if you ask them to help you with federal student aid questions. In circumstances involving employment complaints, grievances, or disciplinary actions, we may disclose relevant records to adjudicate or investigate the issues. If provided for by a collective bargaining agreement, we may disclose records to a labor organization recognized under 5 U.S.C. Chapter 71. Disclosures may be made to our contractors for the purpose of performing any programmatic function that requires disclosure of records. Before making any such disclosure, we will require the contractor to maintain Privacy Act safeguards. Disclosures may also be made to qualified researchers under Privacy Act safeguards.

FINANCIAL PRIVACY ACT NOTICE

Under the Right to Financial Privacy Act of 1978 (12 U.S.C. 3401-3421), ED will have access to financial records in your student loan file maintained in compliance with the administration of the Direct Loan Program.

PAPERWORK REDUCTION NOTICE

According to the Paperwork Reduction Act of 1995, no persons are required to respond to a collection of information unless it displays a currently valid OMB control number. The valid OMB control number for this information collection is 1845-0103. Public reporting burden for this collection of information is estimated to average 0.5 hours (30 minutes) per response, including the time for reviewing instructions, searching existing data sources, gathering and maintaining the data needed, and completing and reviewing the collection of information. The obligation to respond to this collection is required to obtain or retain a benefit (34 CFR 685.201).

If you have any comments or concerns regarding the status of your individual submission of this form, write directly to:
U.S. Department of Education
Common Origination and Disbursement School Relations Center
Attn: Student Loan Support Center
PO Box 9002
Niagara Falls, NY 14302

You must read and agree to both statements below:

Your Direct PLUS Loan Request for Supplemental Information cannot be processed unless you authorize the U.S. Department of Education to check your credit history. One of the eligibility requirements for receiving a Direct PLUS Loan is that you must not have an adverse credit history, unless you meet certain other requirements. The results of your credit check will be sent to the school that you have selected.

CONTINUE

[Choosing CONTINUE initiates the credit check. The result of the credit check determines the information that displays to the applicant.]

30a. Approved Credit Decision

[The following is ONLY applicable if no adverse credit history is determined as a result of the credit check]

You have successfully submitted a Direct PLUS Loan request and your credit has been approved.

You will receive a confirmation email shortly. The school you selected will be notified within the next 24 hours.

Though your credit has been approved, all other eligibility requirements must be met before your loan can be awarded.

Your school will tell you what loans, if any, you are eligible to receive. If you have questions regarding your loan eligibility, the next steps in the processing of your loan, when the loan will be disbursed (paid out), or no longer wish to receive the loan, contact your school's financial aid office.

To view a history of your completed Direct PLUS Loan Requests, select "Direct PLUS Loan Requests" located on the left navigation bar under "My Loan Documents".

30b. Denied Credit Decision

[The following is ONLY applicable if an adverse credit history is determined as a result of the credit check]

Based on the results of your credit check, we are unable to approve your request for a Direct PLUS Loan. You may still be eligible to receive a PLUS loan. To become eligible you must:

Under federal law, you're entitled to a free credit report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the credit reporting company. Otherwise, a credit reporting company may charge you up to $11.00 for another copy of your report within a 12-month period.

To obtain a copy of your credit report, contact:

View Credit Check Details [Credit check details may be viewed]

Indicate how you want to proceed by selecting the appropriate box below and click "Submit". Your response will be reported to the school that you selected on the Direct PLUS Loan Request.


How would you like to proceed?


The Secretary is able to use discretion and, based on your circumstances, consider whether extenuating circumstances allow you to qualify for a loan.


Adverse credit conditions include, but are not limited to:
Adverse Credit ReasonDescriptionProof of Extenuating Circumstances
1.One or more of the debts listed in A, B and C with a combined total outstanding balance greater than $2,085.

Debts listed in A, B and C are not considered to be adverse credit if the combined total outstanding balance of those debts is $2,085 or less.
A.Charged Off AccountAny account (open or closed) listed as that has been charged off (written off) during the two years preceding the date of the credit report with a balance greater than zero
  • Borrower is authorized user on the account.
  • Account has been paid in full.
  • Satisfactory repayment arrangement has been established and six months of voluntary, consecutive, on-time, full monthly payments have been made.
    Example of documentation for the above:
    • Documentation on creditor company letterhead documenting one of the above.


  • Account/debt included in a Chapter 13 Bankruptcy.
    Required documentation:
    • Final Order from the bankruptcy court indicating the account in question is included in the bankruptcy.


  • Debt Consolidation.
    Required documentation:
    • A letter from the debt consolidation company on the company's letterhead showing all accounts included in the debt consolidation.
      AND
    • Proof of six months of voluntary, consecutive, on-time, full monthly payments have been made.


  • Divorce.
    Required documentation:
    • Final Divorce Decree showing that the borrower is not responsible for repayment of the debt in question.


B.Collection AccountAny account (open or closed) that has been placed in collection during the two years preceding the date of the credit report with a balance greater than zero.
  • Borrower is authorized user on the account.
  • Account has been paid in full.
  • Satisfactory repayment arrangement has been established and six months of voluntary, consecutive, on-time, full monthly payments have been made. Example of documentation for the above:
    • Documentation on creditor company letterhead documenting one of the above.


  • Account/debt included in a Chapter 13 Bankruptcy.
    Required documentation:
    • Final Order from the bankruptcy court indicating the account in question is included in the bankruptcy.


  • Debt Consolidation.
    Required documentation:
    • A letter from the debt consolidation company on the company's letterhead showing all accounts included in the debt consolidation.
      AND
    • Proof of six months of voluntary, consecutive, on-time, full monthly payments have been made.


  • Divorce.
    Required documentation:
    • Final Divorce Decree showing that the borrower is not responsible for repayment of the debt in question.


C.90 or More Days Delinquent on any DebtAny account (open or closed) that is currently 90 or more days past due
  • Borrower is authorized user on the account.
  • Account has been paid in full.
  • Satisfactory repayment arrangement has been established and six months of voluntary, consecutive, on-time, full monthly payments have been made. Example of documentation for the above:
    • Documentation on creditor company letterhead documenting one of the above.


  • Account/debt included in a Chapter 13 Bankruptcy.
    Required documentation:
    • Final Order from the bankruptcy court indicating the account in question is included in the bankruptcy.


  • Debt Consolidation.
    Required documentation:
    • A letter from the debt consolidation company on the company's letterhead showing all accounts included in the debt consolidation.
      AND
    • Proof of six months of voluntary, consecutive, on-time, full monthly payments have been made.


  • Divorce.
    Required documentation:
    • Final Divorce Decree showing that the borrower is not responsible for repayment of the debt in question.


  • Federal student loan has been consolidated.
    Required documentation:
    • Proof of consolidation:
      • Letter from current lender showing loan in question was consolidated and the consolidation loan is not delinquent.
      • Letter from prior lender showing loan was bought through a consolidation and the consolidation loan is not delinquent.


  • Federal loan is no longer in default.
    Required documentation:
    • Documentation on loan holder/servicer letterhead verifying that borrower has either made satisfactory repayment arrangements on the loan or has rehabilitated the loan.


2.Wage GarnishmentBorrower's wages have been garnished in the past 5 years preceding the date of the credit report.
  • Garnishment has been released.
    Required documentation:
    • Documentation on official letterhead showing the garnishment was released or paid in full.


3.Repossession/Voluntary SurrenderBorrower has had a repossession or a voluntary surrender within the past 5 years preceding the date of the credit report.
  • Account has been paid in full.
  • Satisfactory repayment arrangement has been established and six months of voluntary, consecutive, on-time, full monthly payments have been made.
    Example of documentation for the above:
    • Documentation on creditor company letterhead documenting one of the above.


  • Divorce.
    Required documentation:
    • Final Divorce Decree showing that the borrower is not responsible for repayment of the debt in question.


  • Car loan has been reinstated.
    Required documentation:
    • Documentation on creditor letterhead showing borrower is still responsible for paying the loan.
      AND
    • Six months of voluntary, consecutive, on-time, full monthly payments have been made.


4.Defaulted Loan that is Claim PaidAny Title IV debt that is currently in default.
  • Federal student loan has been consolidated.
    Required documentation:
    • Letter from current lender showing loan in question was consolidated.
    • Letter from prior lender showing loan was bought through a consolidation.
      AND
    • The consolidation loan is not delinquent.


  • Loan is no longer in default.
    Required documentation:
    • Documentation on loan holder/servicer letterhead verifying that borrower has either made satisfactory repayment arrangements on the loan or has rehabilitated the loan.


5.Foreclosure Process StartedMortgage account has the loan listed as having the foreclosure process started
  • Divorce.
    Required documentation:
    • Final Divorce Decree showing that the borrower is not responsible for repayment of the debt in question.


  • Loan Modification Agreement.
    Required documentation:
    • Finalized signed and notarized modification paperwork and proof of payment in accordance with the modification agreement.


  • Mortgage is Paid-in-Full.
    Required documentation:
    • Release of Deed from the lender.


  • Short Sale has been approved and completed.
    Required documentation:
    • Notarized HUD-1 statement.


6.Deed in Lieu of Foreclosure Deed in Lieu is being reported in the past 5 years preceding the date of the credit report.
  • Divorce.
    Required documentation:
    • Final Divorce Decree showing that the borrower is not responsible for repayment of the debt in question.


  • Mortgage is Paid-in-Full.
    Required documentation:
    • Release of Deed from the lender.


  • Short Sale has been approved and completed.
    Required documentation:
    • Notarized final HUD-1 statement.


  • Timing Issue regarding deed in lieu.
    Required documentation:
    • Proof from Mortgage Company that Deed in Lieu is over 5 years old.


7.ForeclosureBorrower has had a foreclosure in the past 5 years preceding the date of the credit report.
  • Short Sale has been approved and completed.
    Required documentation:
    • Finalized HUD-1 statement.


  • Mortgage was paid in full before foreclosure.
    Required documentation:
    • Cancellation of Sherriff Sale.
    • Release of Deed from the lender.


  • Timing Issue regarding foreclosure.
    Required documentation:
    • Proof from Mortgage Company that foreclosure is over 5 years old.


8.Bankruptcy DischargeBorrower has a discharged Chapter 7, 11 or 12 Bankruptcy in the past 5 years preceding the date of the credit report.
  • Timing Issue regarding bankruptcy.
    Required documentation:
    • Discharge Paperwork that shows bankruptcy was discharged over 5 years ago.


  • Bankruptcy chapter conversion.
    Required documentation:
    • Discharge paperwork or paperwork showing that a Chapter 7, 11 or 12 bankruptcy has been converted into a Chapter 13 bankruptcy.


9.Tax LienBorrower has a State, County or Federal Tax Lien in the last 5 years preceding the date of the credit report regardless of file date
  • Satisfactory repayment arrangement has been established and six months of voluntary, consecutive, on-time, full monthly payments have been made.
    Example of documentation for the above:
    • Documentation on official letterhead documenting one of the above.


  • Account/debt included in a Chapter 13 Bankruptcy.
    Required documentation:
    • Final Order from the bankruptcy court indicating the account in question is included in the bankruptcy.


  • Lien was incorrectly filed.
    Required documentation:
    • Letter on official letterhead showing that the lien was filed in error. This is sometimes in the form of a release.


  • Lien has been released.
    Required documentation:
    • Copy of the actual release.
    • Proof of payment.




There may be other documentation required depending on your specific circumstances.

If you feel that the information your credit decision is based on is incorrect or you believe you qualify for a review based on extenuating circumstances, you may begin the process in one of the following ways:

  1. Log in to StudentLoans.gov and select "Document Extenuating Circumstances" on the left navigation bar. Follow directions. Student Loan Support Center will contact you with further instructions.
  2. Contact Student Loan Support Center between 8:00 AM to 8:00 PM, Eastern Time, Monday through Friday. Student Loan Support Center may be reached toll-free, at 1-800-557-7394.
  3. Contact Student Loan Support Center between 8:00 AM to 8:00 PM, Eastern Time, Monday through Friday via Live Chat on the Contact Us page.

I do not want to pursue a Direct PLUS Loan at this time.

Contact your school's financial aid office to learn more about your available options.

Undecided.

If you are not sure of your best choice, contact the school's financial aid office to discuss your options.

[ONCE THE USER SELECTS ONE OF THE OPTIONS, HE/SHE MUST SELECT SUBMIT TO COMPLETE THE PROCESS]

SUBMIT [To complete the electronic process]


30c. Reconsideration Eligible Credit Decision

[ONLY applicable if the applicant is reconsideration eligible as a result of the credit check]

30d. Undetermined Credit Decision

[ONLY applicable if a credit determination cannot be completed based on the credit check ]