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Direct Parent PLUS Loan Instructions

Step 1: Apply for a Direct Parent PLUS Loan

  1. Sign in to your Federal Student Aid account.
  2. If you do not remember your FSA ID, or are a new user, use the FSA ID website link.
  3. Complete the Federal Direct Parent PLUS Loan Application.
    • Click "Request PLUS Loan". Be sure to complete EVERY step of the PLUS Loan process.
    • A credit check is required to determine your eligibility to borrow PLUS Loan funds. The U.S. Department of Education will notify you of your credit check status.
  4. If approved, the student will be notified through UNF email of the approval.
    If denied, the student will receive a denial letter from the U.S. Department of Education.
    • The parent may contact the Direct Loan Servicing Center to either appeal the decision or investigate the option of securing an endorser for the loan.
    • The student may submit a request for additional Unsubsidized loans funds from UNF, by submitting a Loan Action Request form.
  5. If the student did not file the FAFSA, he or she must submit a FAFSA before the PLUS loan application will be processed. Without a FAFSA, the PLUS loan application will not be processed.

Step 2: Sign a Master Promissory Note

  1. When going online to sign your Master Promissory Note, be sure to have your driver's license, social security number and 2 references (with complete addresses) ready.
  2. Sign in to your Federal Student Aid account. You will need your FSA ID (the same one you used for your FAFSA). If you do not remember your FSA ID, visit the Department of Education's FSA ID website.
  3. Select Complete Master Promissory Note.
  4. Complete your Promissory Note. Be certain to choose UNF from the "Schools" drop down list to ensure timely delivery and processing of your loan.
  5. Save or print your Promissory Note for your records. Your promissory note does not need to be sent to UNF. We will be notified electronically upon completion.


  1. If your application is denied but then later approved due to appeal or an endorser, contact One-Stop Student Services as soon as possible.
  2. Application decisions expire after 180 days.