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Delinquency and default for Direct PLUS Loans / Federal PLUS Loans for parents

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Notify your loan holder immediately if you anticipate difficulty making a payment!

If you fail to make payment on time, your loan is delinquent. If you don’t make payments for 270 days, your loan is then considered to be in default. Defaulting on your PLUS Loan can result in serious consequences.

There are three basic guidelines to follow to avoid delinquency and default:

If your PLUS Loan already is in default, you have options.