PLUS Counseling

PLUS Counseling

PLUS Counseling is required if the U.S. Department of Education has informed you that you have an adverse credit history and you have obtained an endorser or documented to the satisfaction of the U.S. Department of Education that there are extenuating circumstances related to your adverse credit history.

PLUS Counseling can be completed voluntarily at any time. If PLUS Counseling is completed voluntarily and you are determined to have an adverse credit history by the U.S. Department of Education within 30 days of PLUS Counseling completion, your PLUS Counseling requirement will be considered to be fulfilled.

The Department of Education will email the borrower instructions on how to complete the PLUS Counseling. However, borrowers may also access the PLUS Counseling after they login by selecting PLUS Counseling from the menu, then selecting Parent PLUS to complete the counseling.