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Federal Direct Parent (PLUS) Loan Program

The University of Rhode Island participates in the William D. Ford Federal Direct Loan Program. This program includes both student Subsidized and Unsubsidized loans, as well as Parent (PLUS) loans. The fixed interest rate for Parent (PLUS) loans for 2014-15 was 7.21% with an origination fee of 4.292%.The University receives funds directly from the U.S. Department of Education and disburses them to eligible students. You must file a FAFSA ( for the 2015-16 year in order to be eligible for these loans. You will need your Federal Parent PIN number to complete the Master Promissory Note.

Parents borrowing through the Federal Direct Parent (PLUS) Loan Program for the first time at URI must complete the following steps:

Step 1: Review the Parent PLUS loan offer on your student's financial aid award and decide if you wish to take advantage of this financing option. This is the maximum amount you may borrow for the academic year.

Step 2: Complete the URI supplemental Parent Loan application at: Click on the "Parent PLUS Loan Application" link under the Quick Links section.

To access the 2015-16 and 2014-15 Parent Plus Loan Application click here.

Step 3: Complete a Master Promissory Note (MPN) in the parent borrower's name at:

Note: A credit check* will be initiated by the University once Steps 2 and 3 are completed.

*Credit Checks: Direct Parent (PLUS) Loan borrowers will be able to authorize and initiate a credit check at any time via the "Request Direct PLUS Loan" process on the web site. The parent borrower will receive the results of a borrower-initiated credit check immediately. The credit check decision will be good for 180 days.

  • If approved, the borrower is advised to complete a Direct Parent (PLUS) loan Master Promissory Note (MPN), unless one is already on file.

  • If not approved, the borrower is asked how they wish to proceed, such as not pursuing a Direct Parent (PLUS) loan, obtaining an endorser, or appealing the credit decision. Parents who have been determined to have "adverse" credit history or need to obtain an endorser will be notified that they must complete PLUS loan counseling.

  • Undergraduate students of parents who have been declined a Parent (PLUS) loan may be eligible for additional Unsubsidized loans. Please contact Enrollment Services to request this additional student loan.

Note: Returning Parent (PLUS) loan applicants with a Master Promissory Note (MPN) on file need only complete a FAFSA and Steps 1 and 2 each year.


Attention:  If you cannot log into the URI Supplemental Parent Loan site, please close your web browser (Internet Explorer, Firefox, etc) by clicking in the top right corner of your screen.


Then reopen your web browser.  Internet Explorer works best.  Navigate to and follow the links to Parent Plus Loan Application.

We're sorry for the inconvenience!



Attention: Please update your URIEmergencyALERT information here.

Attention:  Please be sure your completed FAFSA includes the University of Rhode Island Federal School Code 003414.

Quick Links

Parent Plus Loan Application

Graduate Plus Loan Application

Federal Direct Loan Application Instructions for Parents/Students

e-Bill Information

2015-2016 Tuition and Fee Information

Accept/Decline Financial Aid Awards

Financial Aid Awards

IRS Data Retrieval Option for FAFSA

Parent/Third Party Access to e-Campus

Non-Degree Student Registration Application

Request a Transcript

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Financial Aid Walk-In Counseling

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