Students who are denied a GradPLUS may elect to try and resolve the denial or seek an endorser (similar to a co-signer).
To resolve a Denial students work directly with the Department of Education regarding the credit override and can contact Application Services directly at 800-557-7394.
A Direct PLUS Loan borrower with an adverse credit history may still receive a Direct PLUS Loan if he/she obtains an endorser who does not have an adverse credit history. If seeking this option, an endorser would complete the Endorser Addendum and MPN. Additional information regarding the endorser process will be sent via email from the Department of Education.
Students who have adverse credit and have obtained an endorser or documented extenuating circumstances accepted by the Department of Education must complete PLUS Credit Counseling before funds can be send to the school. Review the Credit Counseling area