Use an Endorser
An endorser, similar to a co-signer, must pass a credit check and agree to take the responsibility of the loan if you are unable to pay it. If you choose to obtain an endorser, they will need to complete the endorser addendum at studentaid.gov, which requires the following information:
- A Federal Student ID and password.
- The PLUS Endorser Code (if a Direct PLUS Loan Request was completed) or Loan Identification Number to connect the endorsement to the denied Grad PLUS Loan.
- The PLUS Endorser Code can be found in the confirmation email received in the denial notice or by logging into studentaid.gov and selecting "Endorse a PLUS Loan" from the "Apply for Aid" drop-down in the top navigation
- Your Loan Identification Number can be obtained by contacting our office at 303-492-5091.
We highly recommend using an electronic endorser as it is the fastest way to complete this request. If you choose to complete your request with a paper endorser, you must notify our office when the endorser is approved, or your loan may be delayed.
Submit an Appeal
You can appeal to the Department of Education with proof the credit information used was incorrect or has been corrected or extenuating circumstances relating to the credit history. To appeal log in to studentaid.gov, select "Appeal a Credit Decision" from the "Apply for Aid" drop-down in the top navigation
If you qualify for a Direct PLUS Loan after obtaining an endorser or documenting extenuating circumstances, you will be required to complete loan counseling on studentaid.gov.
Consider a Private Loan
Private loans are offered by private lenders and eligibility depends on a credit score.