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 parent. A stepparent is also eligible to borrow a PLUS Loan on the student's behalf, as long as the parent is currently married to the legal or biological parent of the student. A 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 consent to, and pass a credit check by the U.S. Department of Education.
  4. You must be a U.S. Citizen or Eligible Non-Citizen.

            Parents who are Non-Citizens:

  • If you are not a U.S. Citizen or Eligible Non-Citizen, you are not eligible to apply for the Direct Parent PLUS loan. However, we can award your student additional Direct Unsubsidized Loan funding once we certify your status. To initiate the process, please contact us by emailing sfs@temple.edu, calling (215) 204-2244, or schedule an appointment: https://sfs.temple.edu/about/appointments.
    • Please note that if either parent on the FAFSA is a U.S. Citizen or Eligible Non-Citizen, the eligible parent must complete the Direct PLUS Loan application and receive a denial in order to be reviewed for additional Direct Unsubsidized Loan Eligibility.
  • Verification of status: 
    • To complete the confirmation process, you will need to submit a signed letter (stating your citizenship status) and a copy of your citizenship documentation.
  • Student Award:
    • Once we have reviewed your documentation, and determined that your student is eligible, the student should submit the Undergraduate Federal Loan Change Request Form indicating they would like an increase to their Unsubsidized loan due to a Parent PLUS denial, and we will award the additional Direct Unsubsidized Loan.

         5. You must not be in default on repayment of federal aid.

            Parents who are in default:

  •  If you are in default on any federal loan, you may submit documentation of your default status.

           Student Award:

  • Once we have reviewed your documentation, and determined that your student is eligible, the student should submit the Undergraduate Federal Loan Change Request Form indicating they would like an increase to their Unsubsidized loan due to a Parent PLUS denial, and we will award the additional Direct Unsubsidized Loan.                    

The U.S. Department of Education uses Equifax to complete a credit check on the application. When applying for the Parent PLUS Loan, 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 the StudentAid.gov website.

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 U.S. Department of Education.