Final Step

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

You may still borrow a Direct PLUS Loan if you:

  • Obtain an endorser and complete PLUS Credit Counseling
  • or

  • 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.

How would you like to proceed?

Indicate how you want to proceed by checking the appropriate box below and then clicking "Submit". Your response will be reported to the school that you selected when completing the Direct PLUS Loan Request (application).
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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.
View Credit Check Details

To obtain a copy of your credit report, contact:

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