 TITLE: How to Apply for a Parent PLUS Loan CONTENT: Find Out if You're Eligible for a Parent PLUS Loan\n--------------------------------------------------\nTo be eligible for a parent PLUS loan, you must meet the following criteria:\n*   **Be the biological or adoptive parent (or stepparent in some instances) of an undergraduate student.** The student must be enrolled at least half time at an eligible institution and be your dependent.\n*   **Have a satisfactory credit history.** A low credit score won't automatically disqualify you, as there is no minimum credit score requirement for parent PLUS loans. However, applicants with an adverse credit history may not qualify. This is defined as having combined debt of $2,085 or more that is over 90 days delinquent or has been charged off or placed in collections in the past two years. Loan defaults, bankruptcies, charge-offs, write-offs of federal student aid debt and wage garnishments within the past five years are also considered adverse.\n*   **Meet the general eligibility criteria for federal student aid.** Your student should be a U.S. citizen or eligible noncitizen enrolled in a degree or certificate program and demonstrate financial need. END