You have successfully submitted a Direct PLUS Loan application.

Based on the credit history returned by the credit agency, we are unable to approve your credit.

You have indicated that you do not wish to pursue the Direct PLUS Loan at this time.

You will receive an email confirmation shortly with your loan reference number and endorser code. The school you selected will be notified of your response within the next 24 hours.

You may still borrow a Direct PLUS Loan if you:
  • Obtain an endorser and complete PLUS Credit Counseling


  • Document extenuating circumstances to the satisfaction of the U.S. Department of Education and complete PLUS Credit Counseling.

All other eligibility requirements must also be met before your loan can be awarded and your school will tell you what loans, if any, you are eligible to receive.

If you later decide to obtain an endorser for this loan, you will need the loan reference number and endorser code.

For the loan reference number and endorser code associated with your request, view a history of your completed Direct PLUS Loan applications.

Under federal law, you're entitled to a free credit report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action.
The notice will give you the name, address, and phone number of the credit reporting company. Otherwise, a credit reporting company may charge you up to $11.00 for another copy of your report within a 12-month period.

To obtain a copy of your credit report, contact:

  • Equifax: 1-800-685-1111;
  • Experian: 1-888-397-3742;
  • TransUnion: 1-800-916-8800;