Direct Graduate PLUS Loan Denial Options

If you are denied for a Direct Graduate PLUS loan, you have two options that you may pursue.

1.     Appeal your credit decision with the U.S. Department of Education if you believe that there was an error on your credit report.

You may pursue this option by visiting www.studentloans.gov or by calling 1-800-557-7394 (Federal Loan Origination Center) and speaking with a representative. To appeal your credit decision online:

  • Login to www.studentloans.gov using the student borrower’s information (SSN & FAFSA PIN).
  • Select the “Appeal Credit Decision” link under the PLUS Process section on the left side menu
  • Follow the instructions provided to complete the appeal process. After completing the appeal online, the borrwer should receieve a call from a representative with the Federal Loan Origination Center within 3 business days to discuss their appeal. If the borrower does not a receieve a call, they may contact the Federal Loan Origination Center at 1-800-557-7394 to discuss the status of their appeal.

If your appeal is approved, you must submit a Direct Graduate PLUS Loan Information Form to the Financial Aid Office so your loan can be processed. This form can be downloaded online at www.siena.edu/financialaid/forms.

2.     Reapply with an endorser (co-signer) at www.studentloans.gov.

To apply for an endorser (co-signer):

  • Login to www.studentloans.gov using the student borrower’s information (SSN & FAFSA PIN).
  • Select the “Endorse PLUS Loan” link under the PLUS Process section on the left side menu
  • Follow the instructions provided to complete the endorser process. You will need your Loan Reference Number to complete the endorser process. This number was provided during your original credit check. If you do not have this information, you may contact the Federal Loan Origination Center at 1-800-557-7394.

If your loan is approved with an endorser, you must submit a Direct Graduate PLUS Loan Information Form to the Financial Aid Office so your loan can be processed. This form can be downloaded online at www.siena.edu/financialaid/forms.