Parent PLUS Loan Denial

Parent PLUS Loan Denial Information

This webpage is for parents of dependent undergraduate students who plan to apply for the Federal PLUS Loan (parent loan) to be DENIED so the student may borrow more under the Federal Stafford Loan program.

If you are a parent who is applying for the Federal PLUS loan and are hoping to be approved, please see the Federal PLUS Loan section of our webpage for more information. 

The Federal PLUS Loan is a loan in which parents can apply for to assist their dependent undergraduate student in paying for college.  For parents who are denied (based on a credit check), the student may borrow either $4,000 or $5,000 in Unsubsidized Federal Stafford Loans once Millersville University has received a copy of the denial letter. 

Steps to Take for the PLUS Loan Denial

  • The parent of the dependent undergraduate student can complete an Online Pre-Approval form through American Education Services (AES) (select "Online PLUS Pre-approval and Application" on the right side of the page) - the pre-approval application only requires a limited amount of identifying information.
  • If the parent is denied the PLUS Loan, some lenders will work with the borrower to repair his/her credit.
  • Once the loan has been denied, send a copy of the denial (a letter will be sent to the parent from AES) to the Office of Financial Aid at Millersville University.  Be sure the student's information in on the letter.  This form can be faxed to us at 717-871-2248 or can be mailed to us at:
    Office of Financial Aid
    Millersville University
    PO Box 1002
    Millersville PA 17551
  • Please note: If the loan was pre-approved, that means the parent passed the credit check.
    • The student cannot receive the additional Unsubsidized Federal Stafford Loan money.
    • The parent would need to borrow the loan in order for the student to obtain any additional funding.  If the parent was pre-approved, s/he must complete a full application in order to receive the Federal PLUS Loan.
    • If the parent was pre-approved and does not wish to take out the loan in his/her name, s/he may apply as a co-signer for an Alternative Loan.