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Salisbury University BW
A Maryland University of National Distinction
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Financial Aid Office

Federal Direct PLUS Loan

How Parents Apply

  1. Parent - Go to StudentLoans.gov. (Note: This is the U.S. Department of Education's official student loan website, which has a .gov extension. Do not use StudentLoans.com, which is a commercial website.)
       
  2. Click on Log In - Parent signs in with their FSA ID and password. If the parent borrower does not already have an FSA ID, they will need to create one through fsaid.ed.gov 
      
  3. Click on Apply for a Direct PLUS Loan
      
  4. Click on Direct PLUS Loan Application for Parents START - Please note the Borrower name and partial Social Security Number.  This must be the parent; not the student.
        

Step One: School & Loan Info

  • Select the Award Year
  • Complete Student Information - This is the student name; not the parent.
  • Answer the Deferment, Authorization of Funds and Credit Balance Questions.
    Tip: To avoid refund delays, choose "The Student" under "Credit Balance Options." (Parent refund checks take several days longer)
  • Select Salisbury University as the school attending.
  • Select a Loan Amount option. The parent is not required to borrow the full amount of the PLUS loan offer indicated on the student's GullNet. Please review the Cost of Attendance regarding the Direct Costs vs Indirect.  The parent borrower may borrow an amount up to the cost of attendance minus other financial assistance received. This amount can be obtained from your student's Gull Net account. (Self Service > Campus Finances > Accept/Decline Awards). If you request a loan amount greater than your eligibility, the loan will automatically be reduced to the maximum amount eligible. If you indicate "I do not know the amount I want to borrow," our office will assume you wish to borrow the maximum amount eligible.
  • Select the Loan Period.

Step Two: Borrower Info

  • Complete each question.

Step Three: Review Request

  • Review all information provided and verify it is correct prior to submitting the loan application.

Step Four: Credit Check & Submit

  • Submit your information for a credit check.
  • The results of your credit check will be available immediately. Regardless of the results an electronic confirmation will be sent to Salisbury University within 1-2 working days.
Credit Denied Instructions

If your credit check has been denied you may click on "View Credit Check Details" for more information. If you have questions regarding the credit decision please contact the U.S. Department of Education's Applicant Services at 1-800-557-7394. Choose one of these options and then click on "Continue."

  1. I do not want to pursue a Direct PLUS loan at this time. (Choose this option if you would like your student to be offered an additional unsubsidized loan. Freshmen and sophomores can borrow up to an additional $4000 in unsubsidized loans, and juniors and seniors can receive up to an additional $5000 per academic year. Once our has been notified by the processor we will put an offer on the student's GullNet for him/her to accept.)
  2. I want to obtain an endorser. (Choose this option if you would like to use a co-signer. Your application will be processed after we receive the endorser approval from the processor.)
  3. I want to provide documentation of extenuating circumstance to appeal credit decision. (Choose this option if you believe the credit check is inaccurate or you can provide updated information about extenuating circumstances.)
  4. Undecided. (If you choose this option, the PLUS loan will not be processed.)
Credit Approved Instructions

If your credit has been approved AND you have completed an MPN for this same student (meaning you previously borrowed for them) and did not have an endorser on the previous Master Promissory Note, STOP, your application process is completed.

If your credit has been approved and you are a first time borrower or previously had an endorser for this student

  • Click on Complete Loan Agreement (Master Promissory Note)
  • Click on Complete PLUS MPN for Parents START and follow the instructions.  
  • Make sure to click "Submit" at the end of the MPN to ensure the information is electronically sent to the Direct Loan Servicing Center. Our office will be notified, electronically, within 1-2 working days.
Requesting Changes

Parent borrowers may make changes to the PLUS Loan during the school year and after the loan is disbursed. Please contact our office for further guidance regarding this.

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Salisbury University 1101 Camden Avenue Salisbury, MD 21801 410-543-6000

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