{"id":109410,"date":"2023-11-24T01:35:08","date_gmt":"2023-11-24T01:35:08","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/what-is-federal-direct-plus-loan\/"},"modified":"2023-11-24T01:35:08","modified_gmt":"2023-11-24T01:35:08","slug":"what-is-federal-direct-plus-loan","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/what-is-federal-direct-plus-loan\/","title":{"rendered":"What is Federal Direct PLUS loan?"},"content":{"rendered":"<p>What is Federal Direct PLUS Loan?<\/p>\n<p>A Federal Direct PLUS Loan, also known as a Parent Loan for Undergraduate Students, is a federal loan program offered by the U.S. Department of Education. It aims to help parents or legal guardians financially support their dependent undergraduate children&#8217;s education.<\/p>\n<p>These loans are specifically designed to cover any remaining costs left after the student has received their financial aid, including grants, scholarships, and federal student loans. With the Federal Direct PLUS Loan, parents can bridge the gap between the actual expenses and the other available financial resources.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/what-is-federal-direct-plus-loan\/#1_How_do_I_qualify_for_a_Federal_Direct_PLUS_Loan\" title=\"1. How do I qualify for a Federal Direct PLUS Loan?\">1. How do I qualify for a Federal Direct PLUS Loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/what-is-federal-direct-plus-loan\/#2_How_much_can_I_borrow_with_a_Federal_Direct_PLUS_Loan\" title=\"2. How much can I borrow with a Federal Direct PLUS Loan?\">2. How much can I borrow with a Federal Direct PLUS Loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/what-is-federal-direct-plus-loan\/#3_Are_there_any_loan_fees_associated_with_a_Federal_Direct_PLUS_Loan\" title=\"3. Are there any loan fees associated with a Federal Direct PLUS Loan?\">3. Are there any loan fees associated with a Federal Direct PLUS Loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/what-is-federal-direct-plus-loan\/#4_What_is_the_interest_rate_on_a_Federal_Direct_PLUS_Loan\" title=\"4. What is the interest rate on a Federal Direct PLUS Loan?\">4. What is the interest rate on a Federal Direct PLUS Loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/what-is-federal-direct-plus-loan\/#5_Can_I_defer_payments_on_a_Federal_Direct_PLUS_Loan\" title=\"5. Can I defer payments on a Federal Direct PLUS Loan?\">5. Can I defer payments on a Federal Direct PLUS Loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/what-is-federal-direct-plus-loan\/#6_How_do_I_apply_for_a_Federal_Direct_PLUS_Loan\" title=\"6. How do I apply for a Federal Direct PLUS Loan?\">6. How do I apply for a Federal Direct PLUS Loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/what-is-federal-direct-plus-loan\/#7_Do_I_need_to_pass_a_credit_check_to_get_a_Federal_Direct_PLUS_Loan\" title=\"7. Do I need to pass a credit check to get a Federal Direct PLUS Loan?\">7. Do I need to pass a credit check to get a Federal Direct PLUS Loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/what-is-federal-direct-plus-loan\/#8_Can_I_transfer_a_Federal_Direct_PLUS_Loan_to_my_child\" title=\"8. Can I transfer a Federal Direct PLUS Loan to my child?\">8. Can I transfer a Federal Direct PLUS Loan to my child?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/what-is-federal-direct-plus-loan\/#9_Can_I_consolidate_my_Federal_Direct_PLUS_Loan_with_other_federal_loans\" title=\"9. Can I consolidate my Federal Direct PLUS Loan with other federal loans?\">9. Can I consolidate my Federal Direct PLUS Loan with other federal loans?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/what-is-federal-direct-plus-loan\/#10_What_happens_if_I_default_on_my_Federal_Direct_PLUS_Loan\" title=\"10. What happens if I default on my Federal Direct PLUS Loan?\">10. What happens if I default on my Federal Direct PLUS Loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/what-is-federal-direct-plus-loan\/#11_Can_I_qualify_for_loan_forgiveness_with_a_Federal_Direct_PLUS_Loan\" title=\"11. Can I qualify for loan forgiveness with a Federal Direct PLUS Loan?\">11. Can I qualify for loan forgiveness with a Federal Direct PLUS Loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/what-is-federal-direct-plus-loan\/#12_Are_Federal_Direct_PLUS_Loans_dischargeable_in_the_event_of_the_borrowers_death\" title=\"12. Are Federal Direct PLUS Loans dischargeable in the event of the borrower&#8217;s death?\">12. Are Federal Direct PLUS Loans dischargeable in the event of the borrower&#8217;s death?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"1_How_do_I_qualify_for_a_Federal_Direct_PLUS_Loan\"><\/span>1. How do I qualify for a Federal Direct PLUS Loan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nTo qualify for a Federal Direct PLUS Loan, you must be a parent or legal guardian of a dependent undergraduate student enrolled at least half-time in an eligible program at an accredited institution. You must also meet the eligibility requirements for federal student aid, including having a good credit history.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_How_much_can_I_borrow_with_a_Federal_Direct_PLUS_Loan\"><\/span>2. How much can I borrow with a Federal Direct PLUS Loan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe loan amount can cover up to the total cost of attendance (COA) determined by the institution, minus any other financial aid received by the student.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Are_there_any_loan_fees_associated_with_a_Federal_Direct_PLUS_Loan\"><\/span>3. Are there any loan fees associated with a Federal Direct PLUS Loan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, there is an origination fee charged by the U.S. Department of Education. The fee is deducted proportionately from each loan disbursement.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_What_is_the_interest_rate_on_a_Federal_Direct_PLUS_Loan\"><\/span>4. What is the interest rate on a Federal Direct PLUS Loan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe interest rate for Federal Direct PLUS Loans is fixed for the duration of the loan. The rate is set annually by the U.S. Department of Education, and it is typically higher than the interest rate on federal student loans.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Can_I_defer_payments_on_a_Federal_Direct_PLUS_Loan\"><\/span>5. Can I defer payments on a Federal Direct PLUS Loan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, repayment on Federal Direct PLUS Loans can be deferred as long as the student the loan was taken out for is enrolled at least half-time. However, interest continues to accrue during the deferment period.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_How_do_I_apply_for_a_Federal_Direct_PLUS_Loan\"><\/span>6. How do I apply for a Federal Direct PLUS Loan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nTo apply for a Federal Direct PLUS Loan, you must complete the Free Application for Federal Student Aid (FAFSA) and then submit a separate application for the PLUS Loan. The application process can be done online.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Do_I_need_to_pass_a_credit_check_to_get_a_Federal_Direct_PLUS_Loan\"><\/span>7. Do I need to pass a credit check to get a Federal Direct PLUS Loan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, a credit check is conducted by the U.S. Department of Education during the application process. However, the requirements are not as stringent as those for private loans.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Can_I_transfer_a_Federal_Direct_PLUS_Loan_to_my_child\"><\/span>8. Can I transfer a Federal Direct PLUS Loan to my child?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, Federal Direct PLUS Loans are solely the responsibility of the parent borrower and cannot be transferred to the child.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Can_I_consolidate_my_Federal_Direct_PLUS_Loan_with_other_federal_loans\"><\/span>9. Can I consolidate my Federal Direct PLUS Loan with other federal loans?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, Federal Direct PLUS Loans are eligible for consolidation through the Federal Direct Consolidation Loan program. This allows borrowers to combine multiple federal loans into a single loan with one monthly payment.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_What_happens_if_I_default_on_my_Federal_Direct_PLUS_Loan\"><\/span>10. What happens if I default on my Federal Direct PLUS Loan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nDefaulting on a Federal Direct PLUS Loan can have serious consequences, including damage to your credit score, wage garnishment, and loss of eligibility for future federal financial aid.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Can_I_qualify_for_loan_forgiveness_with_a_Federal_Direct_PLUS_Loan\"><\/span>11. Can I qualify for loan forgiveness with a Federal Direct PLUS Loan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nUnfortunately, Federal Direct PLUS Loans are not eligible for most loan forgiveness programs available for federal student loans. However, certain forgiveness options may be available under specific circumstances.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Are_Federal_Direct_PLUS_Loans_dischargeable_in_the_event_of_the_borrowers_death\"><\/span>12. Are Federal Direct PLUS Loans dischargeable in the event of the borrower&#8217;s death?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, Federal Direct PLUS Loans can be discharged if the borrower (or the student) dies. The loan will no longer need to be repaid, and the remaining balance is forgiven.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What is Federal Direct PLUS Loan? A Federal Direct PLUS Loan, also known as a Parent Loan for Undergraduate Students, is a federal loan program offered by the U.S. Department of Education. It aims to help parents or legal guardians financially support their dependent undergraduate children&#8217;s education. These loans are specifically designed to cover any &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"What is Federal Direct PLUS loan?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/what-is-federal-direct-plus-loan\/#more-109410\">Read more<span class=\"screen-reader-text\">What is Federal Direct PLUS loan?<\/span><\/a><\/p>\n","protected":false},"author":16,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-109410","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is Federal Direct PLUS loan?<\/title>\n<meta name=\"description\" content=\"What is Federal Direct PLUS Loan? 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