Complete Counseling

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PLUS Credit Counseling

What is PLUS Credit Counseling?

PLUS Credit Counseling will help students and parents understand the obligations associated with borrowing a PLUS loan and assist them in making careful decisions about taking on student loan debt.

PLUS Credit Counseling is required if the U.S. Department of Education has informed you that you have an adverse credit history and you have:

  • Obtained an endorser or
  • Documented extenuating circumstances to the satisfaction of the U.S. Department of Education

PLUS Credit Counseling can be completed voluntarily at any time. If PLUS Credit Counseling is completed voluntarily and you are determined to have an adverse credit history by the U.S. Department of Education within 30 days of PLUS Credit Counseling completion, your PLUS Credit Counseling requirement will be considered to be fulfilled.

Complete PLUS Credit Counseling

Who should complete this?

  • Eligible graduate/professional students
  • Parents of eligible dependent undergraduate students

How long will it take?

The entire counseling process must be completed in a single session. Most people complete counseling in 20-30 minutes.