I need a Parent PLUS Loan in order to attend Lynn, but my parents don’t have such great credit. Can they still get approved for a PLUS?

It is entirely possible to be approved for a PLUS even when the applicant does not have a good credit score. Creditworthiness factors such as FICO score, income-to-debt ratio, loan amount or lack of credit history are ignored. The Department of Education is only concerned with adverse credit factors such as being 90 or more days delinquent on debt and not subject to any of the following within the last five years: default determination, bankruptcy, foreclosure, repossession, tax lien, wage garnishment or write off of Title IV debt.