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.
Get step- by-step instructions on how to complete a PLUS Loan application to apply for a Parent or Graduate PLUS Loan.
Learn more about options available for borrowers denied for a PLUS Loan due to an adverse credit history.
Learn how to request an adjustment (increase, decrease, or cancel) to the Parent or Graduate PLUS Loan amount.