You may still be eligible to receive a Direct PLUS Loan. To become eligible , you may take one of the following actions : An endorser is someone who does not have an adverse credit history and agrees to repay the loan if you do not repay it. The endorser may not be the student on whose behalf you are requesting the Direct PLUS Loan. The information causing the adverse credit decision is incorrect. There are extenuating circumstances relating to the adverse credit history. Note: Endorsers aren't eligible for this option. AND Complete PLUS Credit Counseling. Provide a statement that contains an explanation of your extenuation circumstances and the documentation applicable / appropriate to support your claim. The Secretary is able to use discretion and, based on your circumstances, consider whether extenuating circumstances allow you to qualify for a loan. The information below is a non - exhaustive list of examples of extenuating circumstances. If you believe that your situation fits within these examples, or presents a situation that otherwise qualifies for extenuating circumstances , review the information under Proof of Extenuating Circumstances to determine if your circumstances could qualify you for review. Review does not guarantee approval. Previous approval based on extenuating circumstances does not guarantee further approvals. Additional documentation may be required beyond the basic requirements listed below. Loss of a job , poor economy , etc. alone are generally not considered extenuating circumstances. You have one or more of the debts listed above with a combined total outstanding balance greater than or equal to $2,085. Debts listed above are not considered to be adverse credit if the combined total outstanding balance of those debts is less than $2,085. 

Description 
Charged Off Account : Any account open or closed that has been charged off written off during the two years preceding the date of the credit report with a balance greater than zero. Coll

user: Hello, I would like to obtain information about the Mitigating Circumstances Test

assistant: You should know that a satisfactory repayment agreement has been established and six months of voluntary monthly payments have been made, consecutive and punctual.

assistant: Have you reviewed the above information and no longer want to document mitigating circumstances?

user: yes

assistant: in that case you have the various options

user: How can I ensure that when you send the mail it does not reach the spam mailbox?

assistant: To prevent our emails from reaching your spam or junk email, please add StudentLoanSupport@ed.gov to your list of trusted senders.

user: and what documentation is required?

assistant: A copy of the actual version is essential.

user: and can it be a collection account?

assistant: Any open or closed account that has been placed in collection during the two years prior to the date of the credit report with a balance greater than zero.

user: and a charged account works too?

assistant: yes. Account charged: Any account opened or closed that has been canceled canceled during the two years prior to the date of the credit report with a balance greater than zero