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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.
As a parent borrower, the Direct PLUS Loan Application also allows you to: 1  Designate whether the school pays any credit balance to the student or to you. 2  Request a deferment while the student is in school. 3  Request an additional deferment for 6 months after the student ceases to be enrolled at least half time.