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PLUS Denial Options

  • Appeal* - You may appeal your credit decision by calling the Federal Loan Origination Center at 800-557-7394.
  • Get an Endorser* – You may reapply with an endorser (cosigner). Have your endorser log in to and select the “Endorse PLUS Loan” option.  Have them follow the instructions that lead them through the application process.
  • Additional Unsubsidized Loan – Students whose parents have been denied a PLUS loan are eligible for an additional $4,000 (freshmen/sophomores) or $5,000 (juniors/seniors) in Direct Unsubsidized Loans. See for details.

*Parents who are subsequently approved as a result of an appeal or obtaining an endorser are required to complete an online “PLUS Counseling” session at