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Understanding Direct PLUS Loan borrowing for parents

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You must repay Direct PLUS Loans, even if the student:

Generally, federal student loans may not be cancelled or discharged due to bankruptcy.

Always borrow conservatively!


Satisfactory academic progress

The student must meet satisfactory academic progress standards set by the school in order to receive federal student aid!

Withdrawals and refunds


If your student stops attending school before the end of a loan period, the school may be required to refund all or part of the student's financial aid. Please contact the school for its published refund policy.

Loan servicers and sales

Frequently, the Direct Loan Program contracts with loan servicers to maintain loan records and files. Your servicer is responsible for processing payments or deferments, among other duties.