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A: You do not need to apply For A Parent Plus Loan With A Co-Signer anymore as no financial intermediary or other private lender offers Parent Plus Student Loans. The only lender offering these loans is the federal financial aid office and applicants do not need a co-signer in case of federal loan.
If a parent is denied a Federal Direct PLUS Loan and does not use an endorser, the student is eligible to borrow an additional Federal Direct Unsubsidized Loan. Students who are freshmen and sophomores can borrow up to an additional $4,000 annually.