• New Federal Graduate PLUS Borrowers
• Borrowers Changing Lenders
  

• Use your Financial Aid Portfolio to determine how much to borrow and your monthly Stafford and Graduate PLUS payments.
• You should apply for your maximum Federal Stafford loan eligibility before applying for a Federal Graduate PLUS loan.
• Select a lender
  
  

1. Select the terms that you would like your loan to cover
   ** Tip – We recommend that you select Fall ’07 – Spring ’08. The amount that you borrow will be evenly split between the fall and spring semesters.
2. Select Syracuse University as the school you will be attending.
   If you do not select Syracuse University, we will not receive your application!
   ** Tip – Select “S”, then scroll down to the very bottom of the list.
   Syracuse University (school code 00288200) is the very last school listed.

• Tip – Many lenders have multiple codes, so it is important that you use the correct one. If you are unsure which code to use, contact the lender directly for guidance.
• What if my lender isn't listed in the HESC MPN lender drop-down box?
  If the lender you have chosen to borrow through does not work with HESC, please disregard HESC Steps 5-14 and complete the following 2 steps instead:

1. Contact your lender directly to complete the MPN
2. Complete our Non-standard PLUS Request Form

HESC Step 5 - CONSENT TO CREDIT CHECK
If your lender allows NYS HESC to perform a pre-screen credit check, it will occur here. Check the “consent” box and click Continue. If your lender does not allow a pre-credit check, you will proceed to Step 8.

• If you are credit approved, then you will proceed to Step 8.
• If you are credit denied, you do not need to proceed with the PLUS application unless you plan to contact NYS HESC to review your credit decision.
  

• Click the “View File” button
• Read the blank MPN and loan terms (there is nothing that you need to fill out here)
• Click the box at the bottom of the page indicating that you have read and understand the terms and conditions of the loan. Then click “agree.”
  

• Tip – Your e-mail address will be used by NYS HESC to provide you with loan updates and notices.
• Tip – SU will send all loan notices to your syr.edu e-mail address. If you have an syr.edu email address at the time you apply for this loan, we recommend that you submit that address to NYS HESC. This way all PLUS loan notices will be sent to the same address.
• Tip – Your two references must have different U.S. addresses
  

• Tip – You must type your name exactly as it appears on your HESC PIN
• Tip – You must type your name in ALL CAPITAL LETTERS