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Student Plus LoansContent Last Updated on Friday, Dec 5, 2008 Loans. PLUS LOANS (LOANS TO PARENTS PLUS Loans? They’re loans your parents can take out to pay for your education expenses if you’re a dependent undergraduate student Archived - Student Guide 2002-2003, PLUS Loans Student Guide 2002-2003. Financial Aid from the U.S. Department of Education. Plus Loans (Loans to Parents). PLUS Loans enable parents who do not have an adverse credit history to borrow to pay a dependent undergraduate student enrolled at least half time. PLUS Loans are available through Student Guide--PLUS Loans (Loans for Parents) This section of the Student Guide describes loans made to parents under the Direct Loan and FFEL programs. PLUS Loans enable parents with good credit histories to borrow to pay the education a dependent undergraduate student enrolled at least half time. 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