Skip to main content

Request for additional Unsubsidized Direct Loan as Dependent Student

Dependent students whose parents are unable to borrow Direct PLUS Loans due to adverse credit or other exceptional circumstances may receive additional Direct Unsubsidized Loan funds up to the same amount that is available to independent undergraduate students. Under extreme conditions, Financial Aid Administrators may use professional judgment to qualify a student for additional loan without a PLUS denial (i.e. parent going through a bankruptcy and is forbidden from applying). These types of situations are very rare, and we expect that most students seeking additional unsubsidized loan will have a PLUS denial file. A parent’s unwillingness to borrow is not grounds for receiving additional unsubsidized loan eligibility.

Examples which may warrant an appeal

  • The parent is incarcerated
  • The parent’s whereabouts are unknown
  • The parent has filed for bankruptcy and can provide a letter from the bankruptcy court stating that as a condition of the bankruptcy filing, the parent may not incur any additional debt
  • The parent’s income is limited to public assistance or disability benefits, and documentation is provided showing parent cannot repay the loan
  • The parent is not a U.S. Citizen or permanent resident or is not able to provide evidence from the U.S. Citizenship and Immigration Service that he or she is in the United States for other than a temporary purpose with the intention of becoming a citizen or permanent residentTypes of Documentation Required
    In all cases:
  • Appeal Review Request Form
  • Statement from student verifying the current living situation
  • Any available documentation to support a scenario listed above