<p>Your parents have to apply for the PLUS loan and qualify. If they do not qualify, that will make you eligible for another $4,000 in unsubsidized stafford loan. Generally it is very easy for parents to qualify, though.</p>
<p>It’s just like applying for any other loan. The only reason you do not have the same application process for stafford is because they are limited how much you can borrow and guaranteed that you will be given them if you fill out a FAFSA. PLUS loans are not guaranteed to receive for parents.</p>