Direct Loans

Federal Direct Loans are low interest rate loans all students can apply for, provided they have filed a FAFSA and meet the criteria to receive federal aid.

Parent Plus Loan

The federal Parent PLUS Loan is a credit-based loan for parents (or step-parents) of dependent undergraduate students. A FAFSA is now required to apply for a PLUS loan.

Perkins Loan

A federal Perkins Loan is a low-interest loan for students with exceptional financial need who meet the student financial aid office’s priority packaging deadline. The program is campus-based, meaning PLNU awards the loan and takes care of repayment. This loan program is currently available only to returning undergraduates.  

Federal Nursing Student Loan

The Nursing Student Loan is a federally subsidized, low-interest rate loan for students accepted and enrolled in the PLNU nursing program who demonstrate exceptional financial need. Pre-nursing students are not eligible.

Private Loans 

A private loan is a loan of last resort. A student should apply for a private loan after all federal loan options have been exhausted, including the Parent PLUS Loan. It is advisable only if you have no further eligibility for other loan programs and you need more funding. This type of loan is based on your credit.


Looking for forms, documents, or want to talk to someone about financial aid?

Visit the Office of Student Financial Services