Will accepting subsidized/unsubsidized loans affect my approved Parent PLUS loan?

This is completely normal! The subsidized and unsubsidized loans are part of your daughter's financial aid package and separate from the Parent PLUS loan. Accepting those loans won't compromise your PLUS loan approval at all. In fact, it's standard practice to use Direct loans first (the sub/unsub) and then use PLUS loans to cover remaining costs. The school will typically process everything together as part of the complete financial aid package. Just make sure both you and your daughter have completed all required loan documents (MPN and entrance counseling).

dont worry i did the same thing last yr for my son. the subsidised loans r diff from the PLUS loan. Ur daughter gets the sub/unsub loans, the PLUS is for parents.

You need to check with your school's financial aid office ASAP! Every school has different processes, and some will absolutely cancel your PLUS loan if you accept other aid that reduces your cost of attendance without telling them. I work in higher ed and see this ALL THE TIME. Call your daughter's school tomorrow and make sure they know you still need both the student loans AND the Parent PLUS loan to cover expenses. Don't just assume it's fine.

The financial aid process can be confusing, but I can clarify how it typically works. Your daughter's subsidized/unsubsidized loans ($6,600) are part of her direct student aid and will be applied to her cost of attendance first. The Parent PLUS loan is then used to cover the remaining gap. The reason you haven't heard anything yet is likely because the school processes everything in batches before the semester starts. Some important points: 1. Accepting sub/unsub loans doesn't invalidate your PLUS loan 2. Both loan types can coexist in the same financial aid package 3. The timeline varies by school - some process PLUS loans later in the cycle 4. You should see both reflected in the financial aid package before payment deadlines If you want to confirm everything is on track, contact your school's financial aid office directly. They can verify both loans are in the system.

Did ur daughter sign the MPN for the sub/unsub loans? And did u do the PLUS loan MPN? Those are separate forms and both need to be done or the money wont come through.

I'm going through the EXACT same thing with my son right now! It's so stressful. Have you tried calling the Federal Student Aid Information Center? I was on hold for nearly TWO HOURS yesterday trying to get someone to explain this to me. Still have no clear answer. The school's financial aid office just keeps telling me to wait.

Just to follow up on my earlier comment - it's also worth noting that Parent PLUS loans often have a different disbursement schedule than student Direct loans. Your daughter's school might process the subsidized/unsubsidized loans first, with the PLUS loan funds arriving closer to the tuition deadline. This staggered approach is normal and doesn't indicate any problem with your approval status.

ANOTHER THING TO WATCH OUT FOR: make sure your daughter's school didn't include the Parent PLUS loan in her initial financial aid package BEFORE you were approved! Some schools do this and then have to revise the package if you're denied. If that's what happened, accepting the sub/unsub wouldn't matter because the PLUS was already factored in. Check her original award letter carefully!

After reading all the comments, I'd recommend just a quick call to your financial aid office to confirm everything is on track. It sounds like the process is working as intended, but peace of mind is worth a phone call. Ask specifically if both the Direct loans and Parent PLUS loan are still active in the system and when you should expect to see them reflected in her account. Most schools have all aid finalized about 1-2 weeks before tuition deadlines.

As someone who just went through this process with my daughter last semester, I can confirm what others have said - accepting the subsidized/unsubsidized loans absolutely will NOT affect your Parent PLUS loan approval! These are completely separate loan programs. The sub/unsub loans are federal student aid that goes directly to your daughter, while the PLUS loan is a separate parent loan. Schools actually expect students to use their Direct loans first before parents take out PLUS loans to cover the remaining gap. The timing you're experiencing is totally normal - I didn't see both loans reflected together in our portal until about 10 days before the tuition deadline. Don't stress, you're on the right track!