Parent PLUS Eligibility

  1. Your student must meet Temple University Financial Aid eligibility requirements
  2. You, the parent of a dependent undergraduate student, must be the biological or adoptive mother or father. A step-parent is also eligible to borrow a PLUS Loan on the student's behalf, if his/her income and assets will be taken into account when calculating the dependent student's expected family contribution (EFC). This means that the stepparent’s income and tax information must be included on the student’s FAFSAA legal guardian, grandparent, or other family member is not considered a parent for any federal student financial aid purposes and may not request a PLUS loan.
  3. You must be a U.S. citizen or eligible non-citizen.
  4. You must not be in default on repayment of federal aid.
  5. You must consent to, and pass a credit check by the U.S. Department of Education.

Your debt-to-income ratio, credit score, and employment status are not taken into consideration; however, adverse credit typically results in a PLUS loan denial. For more information about adverse credit, visit Click here for the Direct PLUS Loans and Adverse Credit fact sheet.

If your credit is approved, this credit check is valid for 180 days from the day the check was completed. This means that you can apply for an additional loan without a new credit check—or request an increase on an existing loan without completing a new application—until the initial credit check expires. Similarly, if you reapply for a new aid year within 180 of applying for a PLUS loan for a previous year, your credit will not be checked again.

Please be aware that Temple University is not the lender of the parent PLUS loan and does not approve or deny your eligibility. The federal government is the lender for all PLUS loans. Your credit worthiness is determined by the U.S. Department of Education. The U.S. Department of Education will not share or send your credit information to Temple. Questions regarding your ability to borrow should be directed to the lender for response.