Office of Scholarships and Financial Aid
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Federal Direct Parent PLUS Loan

Click here to apply for the Parent PLUS Loan

This page is for the parent(s) of UA students, who wish to accept the Federal Direct Parent PLUS loan. To ensure your PLUS loan funds are not delayed, review the following information.

Parents/Students Must File a New Free Application Federal Student Aid (FAFSA)

Families must file the FAFSA to be awarded any federal student loan including the Federal Direct Parent PLUS. We recommend you file the FAFSA before March 1st of each year.

Legal Name and Social Security Number (SSN) Required

You must use your legal name and SSN as it appears on your social security card for all loan documents. This information must also match your Federal PIN and FAFSA.


You cannot use nick names or initials of your first or last name for these legal documents.

Schools Determine Eligibility

Congress has given colleges and universities the sole responsibility for determining your eligibility for the Federal Direct Parent PLUS loan. We are also responsible for continuously monitoring your eligibility during the academic year.

A student may lose eligibility for the Federal Direct Parent PLUS loan funds if they:

  • fails to maintain satisfactory academic progress
  • drops below minimum units
  • fails to submit documents before the certification deadlines
  • receives additional aid over the cost of attendance 

Your consent is not required if UA has to cancel or reduce your loans to remain in compliance with Federal regulations.

Credit Approval

Approval of the Federal Direct Parent PLUS loan is subject to a credit check by your lender, the U.S. Department of Education (ED). This loan is also subject to an origination fee at disbursement. Credit status is only good for 90 days after which time a new credit check will be required. This is one reason we recommend families request the full anticipated amount they need for the full academic year in one loan .

Parents Must Have Guest Access

Your son/daughter must assign you "Guest Access" on the UAccess Student Center in order for you to track the progress of this Federal Direct Parent PLUS Loan.

Not Required to Borrow

You are not required to borrow a Federal Direct Parent PLUS loan and/or may borrow less than the amount offered. You can also decide to cancel a loan and have funds returned to the lender. You will be required to repay any student account balance when a disbursed Parent PLUS loan is canceled.

Deadline to Accept Parent PLUS Loans

Parent(s) must accept the Federal Direct Parent PLUS Loan before the end of the academic term. For example, sometimes students decide to attend in the Fall but do not return in the Spring term. In this case, the student would only be eligible for the Fall portion of the loan (half of the requested amount), and the parent would need to accept the Parent PLUS Loan before the end of the Fall term.

 Adverse Credit

The Federal Parent PLUS Loan will only be denied for Adverse Credit reasons. If you do not have Adverse Credit, you will be approved. ED defines these conditions as reasons for adverse credit:
  • Bankruptcy (Chapters 7, 11, or 12 within the past 5 years)
    Note: Department Policy does not consider Chapter 13 bankruptcy adverse.
  • Voluntary surrender within the last 5 years
  • Repossession within the last 5 years
  • Foreclosure proceedings started
  • Foreclosure within the last 5 years
  • Deed in lieu of foreclosure
  • Accounts currently 90 days or more delinquent
    Note: Accounts currently reported as 90 days or more delinquent, which are over 5 years old since the last reported delinquency, are not considered adverse.
  • Wage garnishment within the last 5 years
  • Defaulted loan that has been claim paid
  • Lease or contract on secured real estate
  • County/State/Federal tax lien, within the past 5 years

If Denied for Adverse Credit

The U.S. Department of Education (ED) will notify you if you are denied the Federal Direct Parent PLUS Loan. The school will provide the loan reference/ ID number for a denied loan.

If you are denied the Federal Direct Parent PLUS Loan, you and your family will have three options available. UA will not continue to process the loan until you communicate, via email, which of the below options you prefer. Please note that once one of these options is selected, we will process your aid based on that selection. You must notify our office via email to authorize a change in your original selection, as we will not take action based solely on new information received from ED or received over the phone. The options available to families are as follows:

  1. You may appeal the adverse credit decision with the Direct Loan Applicant Service Center at 1.800.557.7394
  2. You may obtain a credit worthy endorser. Be aware, if you are denied you will most likely continue to be denied in the future. You should be prepared to secure an endorser this year who can assist you for future years as well.

              Loan reference numbers for the 2014-2015 Federal Direct Parent PLUS Loans will be sent beginning July 28, 2014

The endorsement is only valid for one loan. This will require you to complete a new Federal Direct Parent PLUS Master Promissory Note and endorsement each time you request a Federal Direct Patent PLUS loan.
  1. Your student may accept an additional Federal Direct Unsubsidized loan
    • Additional Unsubsidized loan amount limit for a Freshmen and Sophomores is $4,000
    • Additional Unsubsidized loan amount limit for a Juniors and Seniors is $5,000

Eligible Non-Citizen

If you, the parent, are an eligible non-citizen, you will be required to complete the citizenship section on the UA Federal Direct Parent PLUS Loan Request-Confirmation Form. This Section will require you to provide your Alien ID number (A#).

Need Additional Federal Direct Parent PLUS Funds?

A new UA Federal Direct Parent PLUS Request-Confirmation Form is Required each time if additional Federal Direct Parent PLUS funds are needed for the current academic year. You must indicate "Request for Additional Amount" as your request type and submit the form by April 15th.

  • Office of Scholarships and Financial Aid, P.O. Box 210066, Tucson, AZ 85721
  • Phone: 520.621.1858
  • Fax: 520.621.9473