PLUS loans are available for parents borrowing for the education of dependent students. PLUS loan applicants must be U.S. citizens or eligible non-citizens, not be in default on any federal education loan or owe an overpayment on a federal education grant. Qualified parents can borrow up to the total Cost of Attendance*, minus any other aid received by the student. Unlike Stafford loans, PLUS borrowers are required to undergo a credit check.