Student can borrow an additional $4,000 if Parent is Denied a Parent Plus Loan

If a Parent PLUS loan application is unsuccessful, a student may request to borrow additional funds through the Federal Direct Unsubsidized Loan program.
You, the student, may only apply for the additional Direct Unsubsidized Loan if your parent(s) have been denied. If the Parent PLUS Loan is later approved, the student will no longer be eligible for the additional Direct Unsubsidized Loan.
The PLUS Loan denial must be on file with your school’s financial aid office before an increase to your additional unsubsidized student loan can be processed. To make a request to borrow the additional funds through the Federal Direct Unsubsidized Loan Program, you may need to complete your school’s Parent PLUS loan decline form if they have one.
Once your school is advised that you are not pursuing the PLUS loan, and you’d like the unsubsidized Loan funding offered to you, the PLUS loan will be cancelled and a supplemental direct unsubsidized loan will be offered to you.
The maximum additional amount you may request is $4,000 per year for freshmen and sophomores, and $5,000 per year for juniors and seniors.

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