<p>Direct PLUS is a parent loan. One your parents must apply for it and they are responsible for repaying it.</p>
<p>The Stafford loan no longer exists. The direct student loan, that you have already been offered, is the same thing with just a different name (Staffords were through private lenders while direct is processed through the school. Staffords were phased out 2-3 years ago and all schools were required to switch to direct loans). Your school should have info and/or a link to access online counseling and MPN.</p>