Community Question: Realistically, when should one be applying for a Parent PLUS loan for the fall and do you apply every year or every semester?
Answer: The credit check for a Parent PLUS loan is valid for 180 days. If you apply earlier than 180 days before the school will disburse the loan, you risk the application expiring. You can apply each year or each semester, but applying each year reduces the number of credit checks you will need to complete.
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