Plus Loans

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A Parent Plus Loan can help pay for current or anticipated educational costs per academic year. Applications will be accepted up to two weeks prior to end of each quarter. The process is quite simple. You will need to complete the following steps for a PLUS Loan to be certified by BBCC:

  1. The student must have a complete financial aid file at BBCC. To begin this process, the student must complete the FAFSA.


  2. Parent: Visit to complete the PLUS Master Promissory Note and Entrance Counseling.
  3. If you apply for a Direct PLUS Loan and are notified that you have an adverse credit history, you’ll be given detailed information from the Department of Education on the options for qualifying by obtaining an endorser or submitting documentation of extenuating circumstances, along with instructions on how to complete the required PLUS counseling.
  4. Complete the Direct PLUS Loan Request for the academic year you wish to receive the loan submit it to the BBCC Financial Aid Office.

    2019-20 Academic Year (July 2019 – June 2020) PLUS Loan Request (Word)  (PDF)
    2020-21 Academic Year (July 2020 – June 2021) PLUS Loan Request (Word)  (PDF)

  5. You can mail, bring it in, email (, or fax to 1.888.820.2896 the form to our office.

Once all of the above items have been completed,  BBCC will then certify your eligibility for a PLUS Loan. If you have any problems or questions, please call the BBCC Financial Aid Office at 509.793.2088.


A PLUS Loan (Parent Loan for Undergraduate Students) are federal loans that parents can use to help pay for their student’s educational expenses. The U.S. Department of Education makes Direct PLUS Loans to eligible borrowers through schools participating in the Direct Loan Program. Parents of students attending an eligible college at least half-time can use a PLUS Loan to assist in financing the cost of education, minus other financial aid.

Listed below are some facts regarding the PLUS Loan program

Facts At A Glance

Parent Borrower Eligibility
To be eligible for a PLUS Loan, the parent must:
– Be the natural or adoptive parent of a dependent student or spouse of the natural or adoptive parent of a dependent student
– Be applying for the loan to pay the post-secondary educational costs for an eligible dependent undergraduate student who is enrolled or accepted for enrollment at least half-time (6+ credits) at a participating school
– Not have an adverse credit history
– Be a U.S. citizen or national, or an eligible noncitizen
FAFSA Required? Big Bend Community College does require a Free Application for Federal Student Aid (FAFSA) be submitted to the U.S. Department of Education
Interest Rate
7.6% for the 2018-2019 academic year
•Minimum Loan Amount
Annual Loan Limit
Cost of attendance (per child), minus other financial aid, as certified by the Financial Aid Office.
Aggregate Loan Limit
Grace Period
None; repayment begins after the final disbursement
Repayment Terms
Up to 25 years from the beginning of repayment depending on your Repayment Plan
• Repayment Options
Standard, Graduated (including Interest-Only), Income-Sensitive, Income-Driven, and Extended.

Deferment and Forbearance Eligibility
What is deferment? A deferment is a period during which repayment of the principal and interest of your loan is temporarily delayed.
What is forbearance? If you can’t make your scheduled loan payments, but don’t qualify for a deferment, your loan servicer may be able to grant you a forbearance. With forbearance, you may be able to stop making payments or reduce your monthly payment for up to 12 months. Interest will continue to accrue on your PLUS loans.
• Consolidation Eligibility


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