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It’s an advantage the parent loans don’t have The only eligibility requirement for a Parent PLUS loan is that parents must have no adverse credit history – income levels and current indebtedness are not checked. Parents who continue to borrow through the Parent PLUS program to stay ahead of debts could remain within the “no adverse credit” rule, even though they might be accumulating debts that far exceed their ability to repay, said Megan McClean, director of policy and federal relations for NASFAA. “We encourage students and families to exhaust federal options before going to private loans,” she said. “Federal loans offer great protections, like a grace period after graduation. And they are dischargeable upon death or permanent disability.&...