Does my mom have to apply for the PLUS loan if she is default on student loans?

Paying for College
1

<p>My mom is default on her own student loans so I'm pretty sure that means she is not eligible for the PLUS loan. Does she have to apply anyways so I can get the extra $4000 in federal loans even though we already know she will be denied? She doesn't want to apply because she says being denied will make her credit even worse.</p>

2

<p>I believe she has to be denied a Plus for you to be eligible for additional Direct Loan money. So yes…she has to apply and be denied the plus loan.</p>

3

<p>See [FinAid</a> | Professional Judgment | Additional Unsubsidized Stafford Loan](<a href=“http://www.finaid.org/educators/pj/additionalstafford.phtml]FinAid”>http://www.finaid.org/educators/pj/additionalstafford.phtml)

Remember these extra $4000 are unsubsidized loans, federal government does not pay the interests while you’re in school, you do.</p>

4

<p>I realize that it is unsubsidized, but I have no other options as I would like to avoid private loans at all cost. That $4000 should cover the last bit of costs not covered by my other federal loans, so it would be really helpful.</p>