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Federal Direct Parent PLUS Loans

Middlebury College participates exclusively in the William D. Ford Federal Direct Loan program, in which borrowers obtain loan funds directly from the U.S. Government.  The Federal Direct PLUS loan (parent loan for undergraduate students) is specifically designed to enable families to increase their federal financial aid at an affordable interest rate.  Direct PLUS loan repayment differs from the Direct loan - repayment begins 60 days after the second disbursement of the loan.  Repayment of the loan is over a ten year period of time.

The parent of a Middlebury undergraduate attending the summer Language School program may borrow a Direct PLUS loan to help finance the cost.

Maximum Direct PLUS Loan Eligibility

Parents of undergraduate students may borrow up to the cost of education, minus financial aid and other loans received.  Before receiving a Direct PLUS loan, the school must first determine the student's eligibility for the amount borrowed.  The parent borrower must be credit worthy.

Parents must complete the FAFSA.

To apply for a Direct PLUS loan go to -

To apply loan funds to all educational charges, please complete and return the Title IV Authorization Form.

To complete a Loan Agreement (MPN) go to -


A Consortium Agreement if the student will be studying abroad at a Non-Middlebury program

Adverse Credit History

If a parent borrower is determined by the Department of Education to have an adverse credit history, he/she may:

  • Document extenuating circumstances
  • Obtain an endorser
  • Decline the loan and have the student borrow an additional unsubsidized loan

Borrowers who are determined to have adverse credit but qualify for a PLUS loan based on extenuating circumstances or obtaining an endorser must complete Entrance Counseling at

Student Financial Services

Service Building
84 South Service Road
Middlebury College
Middlebury, VT 05753
P: 802.443.5158
F: 802.443.2065