Okay, PLUS loans can help pay for education expenses not covered by other financial aid
Do you want to apply for a loan?
not yet, I want to learn more before I decide
If we go with a PLUS loan will the application be the same for all schools for a parent loan?
When you use our site to apply for a loan it will tell you about the application process for the school you have selected.  You can also check with the school’s financial aid office to find out how to request a parent PLUS loan.
and if it is different I can just do it with the school?
The school's financial aid office can help you request a parent PLUS loan
what can help me get a loan if I have bad credit?
One thing you can do is get an endorser who does not have an adverse credit history. An endorser is someone who agrees to repay the parent PLUS loan if you do not repay it.
do we do the application online or go to the school?