Yes, go ahead.
PLUS Credit 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 Credit Counseling can be completed voluntarily at any time.
Can you tell me more about Charged Off account and how do you examine a charged off account?
Any account open or closed that has been written off during the two years preceding the date of the credit report with a balance greater than zero.