<p>You can read about PLUS loans here:
studentaid.ed.gov/PORTALSWebApp/students/english/parentloans.jsp</p>
<p>It looks to me like your mom can fill it out and actually get a loan for you, but your question is different - you want to know if it will matter to the college financial aid office if <em>she</em> gets turned down instead of your dad. I think the only people who can answer that question are the ones at your college financial aid office.</p>