PLUS Loan Application Process

When to Apply

Parent & Graduate/Professional PLUS Loan borrowers - apply on/after June 1st for the upcoming academic year.  Student account balance information for the fall term will be presented online by the third week of June. 

NOTE: Graduate/Professional PLUS Loan borrowers enrolled in Masters programs with early program start dates can apply on/after May 1st for the upcoming academic year.

Loan Details

Review the PLUS Loan interest rate, origination fees, and grace period details on our Federal Loans page. Estimate your education expenses using the Tuition & Fees charts. The maximum loan amount may not exceed the cost of education, minus other estimated financial assistance.

If you are requesting less than the maximum, you may choose to add the amount of the origination fee to your requested loan amount. To include the origination fee in your requested loan amount, determine how much you need to cover your expenses (net amount) and divide that amount by .9573. NOTE: The origination fee increases for loans first disbursed after October 1st each year. 
(Ex: To receive a net amount of $5,000 applied toward your student account, divide $5,000 by .9573 for a total loan request of $5,223.)

Application Process

All PLUS Loan borrowers will complete the PLUS Loan Application process online through  This will allow borrowers to receive an instant credit decision and will streamline the process to complete all loan requirements.

Step 1:  Complete the Free Application for Federal Student Aid (FAFSA) at   A completed FAFSA is required before any PLUS Loans can be processed.

Step 2:  Complete the PLUS Process online through and receive an instant credit decision. Login using your FSA ID, then select "Complete PLUS Process".  Enter your requested loan amount and requested award date range. (Select the date range that most closely matches your enrollment dates or period that you wish to borrow.)  If the credit is denied, you will be guided through your available options (see Credit information below). 

Step 3:  Once approved, complete all outstanding PLUS Loan requirements online through

  • Parent borrowers must complete the Master Promissory Note.  If you are initially denied and later approved (through an appeal or endorser process), you must also complete the PLUS Loan Credit Counseling online.
  • Graduate/Professional Student borrowers must complete the Master Promissory Note and Entrance Counseling. If you are initially denied and later approved (through an appeal or endorser process), you must also complete the PLUS Loan Credit Counseling online - this is separate from Entrance Counseling! NOTE: Graduate/Professional students MUST have applied for and ACCEPTED their annual loan maximum eligibility under the Federal Unsubsidized Direct Loan before receiving a Graduate/Professional PLUS Loan.

 Your completed PLUS Application and completed loan requirements will be sent electronically to the Brown University Loan Office.



The borrrower must either be a Graduate/Professional student borrowing for their own educational expenses, or a parent borrowing for their dependent undergraduate student's educational expenses.  The student and parent must be a U.S. Citizen or eligible non-citizen, be creditworthy, and not be in default on any prior educational loans. In addition, the student must be enrolled at least half-time in a degree program, and making satisfactory academic progress.

Credit Information

The credit decision is valid for 180 days and must still be in effect at the time of first disbursement.

Concerned about passing the credit check?  Review the PLUS Loans & Adverse Credit Fact Sheet published by the Department of Education.  Credit history is considered adverse (negative) if a borrower has:

  • one or more debts with a combined outstanding balance greater than $2085 that are 90 days or more delinquent, or have been placed in collections or charged-off within the past 2 years
  • within the past 5 years: default determination, bankruptcy discharge, foreclosure, repossesion, tax lien, wage garnishment, or write-off of a federal student aid debt

If a borrower is denied, there are a few options available:

  •  The borrower can appeal the decision by providing supporting documentation as requested by the Department of Education.  
  •  The borrower can have a credit-worthy co-signer complete the Endorser process.
  • All borrowers who are initially denied and later approved through appeal or endorser must complete PLUS Loan Credit Counseling. Borrowers will be notified of this requirement by the Department of Education. NOTE: This counseling is separate from the Entrance Counseling and does not satisfy the Entrance Counseling requirement in any way.
  •  Families can contact the Brown University Financial Aid Office to inquire about additional Federal Direct Unsubsidized Loans available to the student.
  •  The borrower can apply for the Installment Payment Plan administered by the Bursar’s Office.

Loan Repayment

Use the Repayment Estimator to estimate your monthly payment amount. Learn more at Repay Your Loans.