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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
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.