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Federal Parent PLUS Direct Loans

General Information

Direct Parent PLUS Loans are unsubsidized federal loans for the parents of dependent students.  These loans allow parents to fill the gap between the overall cost of attendance and existing student financial aid.


  • The parent borrower must be the student's biological or adoptive parent (step parent if listed on the FAFSA)
  • The student must be a dependent undergraduate student who is enrolled at least half-time in a degree-seeking program (parents may not borrow on behalf of independent undergraduate students or graduate students)
  • The student must have a completed FAFSA on file with Virginia Tech
  • The student must meet all other Title IV Federal Financial Aid program requirements (i.e. quality assurance requirements and academic progress)
  • The student and parent must be U.S. citizens or eligible noncitizens and must not be in default on any federal education loans or owe an overpayment on a federal education grant

Application Process

To complete an online Parent PLUS loan application and sign the master promissory note, the parent must create an FSA ID.

The Department of Education's PLUS Application site combines the Federal Direct Parent PLUS Loan application and Master Promissory Note under one process. Please apply at least 30 days before the bill due date to ensure timely processing of the loan.

Note:  If the parent borrower elects to have excess funds refunded to them, a paper check will be mailed to the parent.  Choosing to have excess funds refunded to the student allows access to the funds 5-10 days sooner with direct deposit into the bank account listed on Hokie Spa.  

Certification and Disbursement

After the PLUS Loan is approved by Direct Loans, Virginia Tech takes additional steps to certify the loan amount, and to disburse it toward the student's tuition, fees, on-campus housing and on-campus meal plan.  Excess funds will be refunded, either to the parent or student as designated.

Requesting Changes

Parent borrowers may make changes to the PLUS Loan during the school year, and after the loan has disbursed.  Please contact our office by email at to increase, reduce or cancel the Parent PLUS Loan.

Guide to Parent PLUS loans at VT

Click here for a PDF Guide to Parent PLUS loans at VT