Parent and Graduate PLUS Loans

Graduate students and parents of a dependent undergraduate student may apply for PLUS loans to help pay for the cost of attending USF. Learn more about the Parent and Graduate PLUS Loans

About the PLUS Loan

  • Available to the parent of a dependent age undergraduate student enrolled at least half-time (6 units) and to graduate/professional students enrolled at least half-time (3 units).
  • A credit check is required. Please note: If you have a credit freeze on your credit information, please contact TransUnion and Equifax to lift or remove the hold and then complete a new PLUS Loan application. Credit decisions are valid for 180 days.
  • The annual limit is the student's Cost of Attendance minus any estimated or accepted financial aid resources.
  • The student must complete a FAFSA each academic year. 
  • Federal Direct Loans can only be processed for the period of enrollment and may not be applied for a past term balance.
  • Must reapply for the PLUS loan for any future academic years if a PLUS Loan is needed again.
students meeting at university center

Get step- by-step instructions on how to complete a PLUS Loan application to apply for a Parent or Graduate PLUS Loan.

usf campus building

Learn more about options available for borrowers denied for a PLUS Loan due to an adverse credit history.

students on steps of lone mountain

Learn how to request an adjustment (increase, decrease, or cancel) to the Parent or Graduate PLUS Loan amount.