Can Legal Guardians Take Out PLUS Loans?

Overlay text "Plus Loans" against sky blue background with blue and violet stars.As their name would suggest, most student loans fall to the responsibility of the student themselves. However, there is one loan that revolves around the parents—PLUS loans. PLUS, in fact, stands for Parent Loan for Undergraduate Students and differs a little from other federal loans. It takes into consideration a family’s credit history, and is more parent-centric than the Stafford or Perkins loans.

But can a non-parent take out a PLUS loan? What if a student’s legal guardian is an aunt, uncle, or grandparent? What if they aren’t a blood relative?

Unfortunately, the answer is no. Stepparents can apply for a PLUS loan—so long as they are currently married to the custodial parent—but other forms of non-parental legal guardians are not eligible.

However there are other options besides the PLUS loan to explore. After scholarships, grants, and work studies have been exhausted, be sure to check out the other federal loan opportunities.

Use College Raptor to discover personalized college matches, cost estimates, acceptance odds, and potential financial aid for schools around the US—for FREE!

 

Lender Rates (APR) Eligibility
Citizens logo.
5.50%-16.12%* Variable
3.99%-15.61%* Fixed
Undergraduate and Graduate
VISIT CITIZENS
Sallie Mae logo.
5.54% - 15.70% Variable
3.99% - 15.49% Fixed
Undergraduate and Graduate
VISIT SALLIE MAE
Credibe company logo.
4.63% - 17.99% Variable
3.49% - 17.99% Fixed
Undergraduate and Graduate
VISIT CREDIBLE
Lendkey company logo.
6.00% - 13.75% Variable
3.99% - 13.75% Fixed
Undergraduate and Graduate
VISIT LENDKEY
Ascent company logo.
5.66% - 14.72% Variable
3.69% - 14.56% Fixed
Undergraduate and Graduate
VISIT ASCENT
3.70% - 8.75% Fixed
Undergraduate and Graduate
VISIT ISL
Earnest company logo.
5.62% - 16.85% Variable
3.69% - 16.49% Fixed
Undergraduate and Graduate
VISIT EARNEST
5.00% - 14.22% Variable
3.69% - 14.22% Fixed
Undergraduate and Graduate
VISIT ELFI
College Raptor is not a loan lender and does not assume responsibility for suggesting a loan to a user who may not be eligible for it. Rates, terms, conditions, eligibility, approval, and other considerations are the decisions of the lenders and may vary depending on which lender or marketplace the user selects. We urge users to carefully consider and review all loan options and terms before committing to taking out a loan.

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