Please Note: If you have more than one student in college, you will need to file an individual  FAFSA for each student for which you will borrow a PLUS loan. Before the Direct PLUS loan proceeds can disburse to a student’s account, Wheaton’s Office of Student Financial Services must receive both a completed Federal Direct PLUS Loan Pre-Application, and confirmation from the Department of Education that the applicant has successfully completed a loan promissory note and passed a credit check.

Complete the Federal Direct Parent PLUS Loan Pre-Application

The Federal Direct PLUS Loan Pre-Application is a two page document that provides us with necessary information with which to process your loan. Please remit the Pre-Application by email to, or by fax to 508-286-3787.

Federal Direct Parent PLUS Loan Pre-Application (pdf)

Receive Credit Decision

If you are credit approved for the PLUS loan, you will receive an email from our loan coordinator with instructions on what you must do next. If you are credit denied* for the PLUS loan, you will receive an email notification from the Department of Education.

Complete the Federal Direct Parent PLUS Loan Promissory Note

A legally binding agreement to repay a parent loan, the agreement is between the parent (not the student) and the Department of Education. A student cannot complete the Direct Parent PLUS Loan promissory note on the parent’s behalf.

Federal Direct Parent PLUS Loan Promissory Note

* In the Case of a Parent PLUS Loan Denial: Parents who are denied a PLUS loan based on credit have two options available to them:

  1. Appeal the denial decision with Direct Loan Borrower Services (1-800-848-0979) and/or borrow the loan with a co-signer called the endorser. If you select this option you must also complete the online PLUS Credit Counseling in addition to the PLUS Loan Promissory Note.
  2. The second option allows the student to borrow additional Direct Unsubsidized Loan funds. Parents who wish to have the student borrow additional Direct Loan proceeds should complete the appropriate section on the PLUS Loan Pre-Application to avoid delays processing the additional Direct Unsubsidized Loan.

For information regarding the terms and conditions of the Federal Direct PLUS loan please visit the Department of Education’s PLUS Loan information page.

If you have any questions regarding the Direct Loan programs at Wheaton College or the completion of your Direct PLUS Loan application, contact the Office of Student Financial Services at 508.286.8232 or e-mail us at