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What to Expect

A Direct PLUS Loan borrower with an adverse credit history may still receive a Direct PLUS Loan if he/she obtains an endorser who does not have an adverse credit history and the borrower completes PLUS Counseling. The endorser is responsible for repaying the Direct PLUS Loan if the borrower does not.

The entire process must be completed in a single session. Each Endorser Addendum takes approximately 30 minutes to complete.

In this process, you will complete the following steps:

  1. Enter personal information, loan information and reference information
  2. Consent to a credit check
  3. Read the terms and conditions
  4. Review, electronically sign and submit the Endorser Addendum

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