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Apply for a PLUS Loan

How to apply for a Federal PLUS Loan

There are several ways to apply for a Federal PLUS loan: by phone, on-line, or by a paper application. The method depends on whether you have previously borrowed a PLUS loan from the lender (repeat borrower) or if this is the first PLUS loan you are borrowing from the lender (new borrower) .

Repeat borrowers may call their lender to apply for subsequent loans or apply on-line for a pre-approval. Repeat borrowers have already signed a Master Promissory Note which means you do NOT need to complete another one. You must provide the amount of the requested loan. The lender will conduct a credit check. Once pre-approved, the lender will notify us of your loan request.

New borrowers may apply over the phone to receive a paper application; apply on-line, print, and sign the application and promissory note; or apply and electronically sign the promissory note on-line using a PIN number.

BEFORE APPLYING FOR A LOAN, REVIEW THE BORROWER BENEFITS OF EACH LENDER TO DETERMINE WHICH LOAN IS BEST FOR YOUR CURRENT AND FUTURE NEEDS.

Once you decide on your PLUS loan lender and you are ready to apply, follow their instructions listed below:


BANK OF AMERICA
Repeat borrowers, with a signed Master Promissory Note (MPN) on file, may call 1-800-344-8382 for a PLUS pre-approval credit check. Be sure to provide the amount you wish to borrow. Once you have been pre-approved we will be notified of your loan request. You do NOT need to complete another MPN.

New borrowers may apply over the phone at 1-800-344-8382. After being pre-approved you will be mailed a paper application and promissory note to complete and return. You may also apply and sign the MPN on-line.


STUDENT LOAN XPRESS
Repeat borrowers, with a signed Master Promissory Note (MPN) on file, may call 1-866-759-7737 for a PLUS pre-approval credit check. Be sure to provide the amount you wish to borrow. Once you have been pre-appoved we will be notified of your loan request. You do NOT need to complete another MPN.

New borrowers may apply over the phone at 1-866-759-7737. After being pre-approved you will be mailed a paper application and promissory note to complete and return. You can also apply on-line and electronically sign your promissory note; the fastest way to apply, no paper to mail.


CITIZENS BANK
Repeat borrowers, with a signed Master Promissory Note (MPN) on file, should apply on-line for a pre-approval. Be sure to include the amount of the loan you want to borrow. Once pre-approved, we will be notified of your loan request. You do NOT need to complete another MPN.

New borrowers may apply and sign the MPN on-line. You will first apply on-line for a pre-approval. After being pre-approved, you will be asked to continue and complete the application on-line and then electronically sign the MPN using your federal PIN number.


ACADEMIC FINANCE CORP (AFC)
Repeat borrowers, with a signed Master Promissory Note (MPN) on file, may call 1-877-232-4322 for a PLUS pre-approval credit check. Be sure to provide the amount you wish to borrow. Once you have been pre-approved we will be notified of your loan request. You do NOT need to complete another MPN.

New borrowers may apply over the phone at 1-877-232-4322. After being pre-approved you will be mailed a paper application and promissory note to complete and return. You may also apply and sign the MPN on-line.


CITIBANK
Repeat borrowers, with a signed Master Promissory Note (MPN) on file, may call 1-800-394-7035 for a PLUS pre-approval credit check. Indicate that you are applying for a RENEWAL PLUS loan. Be sure to provide the amount you wish to borrow. Once you have been pre-approved we will be notified of your loan request. You do NOT need to complete another MPN.

New borrowers may apply over the phone at 1-800-394-7035. After being pre-approved you will be mailed a paper application and promissory note to complete and return. You may also apply and sign the MPN on-line.


NOTE: If you choose a lender or product which is not listed on this web site you may need to provide us with information about the loan or lender.
 

 



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