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Federal Direct PLUS Loans for Parents
Your parents can take out a Direct PLUS Loan to help pay for your school expenses if you’re considered a dependent student. You’re not required to have financial need for your parents to receive a loan. However, your parents must have good credit to qualify for a loan.
New loans disbursed between July 1, 2016 and June 30, 2017 have a fixed interest rate of 6.31%. There’s also a loan fee of 4.292 percent of the loan amount.
Your parents are charged interest on the loan as soon as you receive the first payment. They can pay the interest while you’re in school or add it to the principal. Adding it to the principal substantially increases the total amount that they’ll repay on the loan.
How to Apply
To apply for a Direct PLUS Loan, you must:
- Fill out the Free Application for Federal Student Aid (FAFSA).
- Fill out, with your parent(s), the Direct PLUS Loan Application.
- Register for at least six credit hours in a program that’s eligible for financial aid.
More information about Direct PLUS Loans is available at Direct PLUS Loans for Parents, a website from the federal government.
To check the status of your financial aid, log into the WCC Gateway, click on MyWCC, Financial Aid, and then click on Check Your Financial Aid Status.log in »
Contact Financial Aid
To contact WCC’s Financial Aid office, you can:
- Visit the office on the second floor of the Student Center building
- Call 734-973-3523
- Send a fax to 734-677-5281
- Send an email to
The office’s normal hours are Monday through Thursday from 8:00am to 6:00pm and Friday from 8:00am to 5:00pm.