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/ What are my options if I have an adverse credit history?

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A parent may apply for the Direct PLUS loan with an endorser (co-signer), who does not have an adverse credit history. An endorser is someone who agrees to repay the loan if you do not repay it. The endorser may not be the student on whose behalf a parent obtains a Direct PLUS Loan. In some cases, you may also be able to obtain a Direct PLUS Loan if you document to the Department of Education’s satisfaction that there are extenuating circumstances related to your adverse credit history.

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