DIRECT PLUS LOAN APPLICATION

Confirmation

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 will pursue the option to obtain an endorser.

You may still borrow a Direct PLUS Loan if you get an endorser who does not have an adverse credit history and you 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.

  • An endorser is someone who agrees to repay the Direct PLUS Loan if you do not repay the loan.
  • The endorser may not be the student on whose behalf you are requesting a Direct PLUS Loan.
  • If you obtain an endorser and complete PLUS Credit Counseling, your school will tell you what loans, if any, you are eligible to receive.
  • The endorser may complete the Endorser Addendum electronically at this Web site, or you may print the endorser addendum and provide it him or her.
After obtaining an endorser, you will be required to complete PLUS Credit Counseling on StudentAid.gov before your loan funds may be made available.

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.

Electronic Submission Computer Icon
If your endorser chooses to complete the Endorser Addendum electronically, he or she will need:
  • An FSA ID
  • Endorsers must sign in with their own FSA ID.

  • Endorser Code or Award ID
  • You must provide your endorser with:
    • your endorser code reference below and your last name.

      or

    • the award identification number, which is available from your school if you have a loan, and your last name.

    Your endorser code will also be sent to you in an e-mail.

    You may send an email to your endorser that will include the endorser code by entering the endorser's email address below.

Paper Submission
If your endorser prefers completing a paper Direct PLUS Loan Endorser Addendum, print a paper Direct PLUS Loan Endorser Addendum for your endorser to complete and mail.

Mail the paper Direct PLUS Loan Endorser Addendum to the following address:
U.S. Department of Education
P.O. Box 9002
Niagara Falls, NY 14302

Or

Overnight the paper Direct PLUS Loan Endorser Addendum to the following address:
U.S. Department of Education
2429 Military Road
Suite 200
Niagara Falls, NY 14304

Next Steps Required in the Direct PLUS Loan Process

Complete PLUS Credit Counseling

Loans can't be disbursed until PLUS Credit Counseling is completed. You may either complete the PLUS Credit Counseling now, or come back at a later time.

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.

You don't have a Direct PLUS Loan MPN on file.
You don't have a Direct PLUS Loan MPN on file for John Doe. If you are borrowing for more than one student, you will need to complete a separate MPN for each student.
Loans cannot be disbursed without an accepted Master Promissory Note on file. You may either complete the MPN(s) now, or come back at a later time.
Each MPN must be completed in a single session and may take up to 30 minutes to complete.
Complete a FAFSA®
You don't have a FAFSA® on file for the award year requested.
Visit FAFSA.ed.gov for more information.