Parent PLUS Loans


student on campus

Federal Direct PLUS loans are non-need based loans for the parents of enrolled, dependent students. Under this program, parents can borrow up to the total cost of education minus their student’s expected financial aid. Repayment begins 60 days after the loan is fully disbursed. Deferment options are available.

The PLUS loan application process is located at, a federal website where:

* Parents of Undergraduate students complete a PLUS application

* Endorsers co-sign for PLUS

* Borrowers can appeal credit checks during the application process

* Borrowers complete the Master Promissory Note (MPN)

 At this site, you can apply and receive a credit decision for your PLUS application. Tennessee State University will certify the actual loan amount the student is eligible for based on the amount you request on the online application and the amount of other financial aid the student has been awarded.


Important Disclaimer Information for Parents:  PLUS for parents

Parent PLUS loan applications must first be completed at . Approved applications must be followed up with an institutional PLUS loan application (at bottom of page) and an enlarged copy of the parent’s driver’s license. Parent PLUS applicants who are not the parent listed on the FAFSA must also submit a copy of the student’s birth certificate showing that they are a biological parent.

Actual tuition and fee amounts are determined in early July for the upcoming academic year. Therefore, we recommend that you request the maximum amount, up to the school’s cost of attendance. PLUS loans can be easily reduced through a written statement from the borrower if you decide later to decrease the requested amount.

How to Apply for PLUS



At, click



Enter your (the parent’s) Social Security Number, first two letters of your last name, date of birth and your federal PIN.




Go to 'Start PLUS Loan Application Process'.




Select the loan type. Follow directions to complete the four step process.


NOTE: New PLUS borrowers will be required to complete a PLUS MPN with their application.

Once you complete the application you will be notified of the credit check decision. If you are denied and do not wish to pursue a credit decision appeal or use an endorser, you will not receive the parent PLUS loan. Your dependent student will then be awarded the additional unsubsidized loan based on their grade level and remaining eligibility. If you are approved you will then need to complete an institutional PLUS loan application and fax it to our PLUS loan fax number at 615-963-7466 or mail to our mailing address along with an enlarged copy of the parent’s driver’s license.

Important Disclaimer Information for Parents:  PLUS for parents

The institutional PLUS Loan Update Form for 2017-2018 (Fall 2017, Spring 2018, Summer 2018) is located here.

The institutional Graduate PLUS Loan application is located here .

webpage contact:
Financial Aid