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A friend of mine applied for a parent plus loan and was approved even though her bankruptcy was less than 5 years ago. Has anyone been approved with a bankrupcty less than 5 years old? I'm starting to get nervous. My D graduates in May and will be a freshman in the fall. I'm afraid I won't be approved because of a prior bankruptcy. Other than the discharged bankruptcy 4 years ago, my credit is great. Please help? Anyone!