Parent Plus Loans are not student financial aid. They are parent loans that the parent needs to apply for and accept. If your parents don’t apply this year, they can apply next year. No problem.
It’s fine not to accept the Direct Loans now. If you find you need them during the school year, you can ask to have them later. This will not affect your loans next year…all second year students are able to get the $6500 Direct Loan…just by completing the FAFSA. ALL students…these loans are not income dependent.