Apply for a Direct PLUS Loan

If you’ve applied for financial aid and want to borrow a Graduate PLUS loan, here’s what you should do to complete the process:

  1. Find out if you're eligible.

    Contact the financial aid office to see if you're eligible to borrow a PLUS loan.

  2. If eligible, log in to apply.

    Go to the Federal Student Aid website and sign in with your Federal Student Aid (FAFSA) PIN. Don’t have a PIN? You can apply for a PIN anytime.

  3. Choose application.

    Select Start Direct PLUS Application Process.

  4. Choose loan type.

    Choose the Graduate Direct PLUS loan type.

  5. Compete application.

    This includes a credit check. You'll need to specify a loan amount. If you select the maximum amount, we'll process your loan for your maximum eligibility.

  6. Receive loan approval and complete promissory note.

    Once you’ve completed the application, you’ll receive notice from the Department of Education if you’re approved or denied.

    • If approved, first-time borrowers only will need to continue the process by selecting Complete Master Promissory Note. Repeat borrowers are done.
    • If denied, you have the option to reapply with an endorser.
  7. Complete entrance counseling.

    Bethel will let you know if you need to complete this step of the process.

If you want to change the loan amount you requested in the application process, send an email to Please include your name, Bethel ID#, and the adjusted amount you want to borrow.

For questions about the Direct PLUS Master Promissory Note or approval status, contact the Loan Origination Center at 800.557.7394.

More About PLUS Loans

Get more details on PLUS loans including interest rates, repayment, and loan fees.