When the new Parent PLUS cap
isn't enough.
The 2026 Parent PLUS cap of $20,000 per year leaves a gap for families paying for high-cost programs. The LoanAmerica Parent Loan provides up to $35,000 to bridge that shortfall.
$35K Maximum
Up to $35,000 per academic year.
Parent PLUS Bridge
Bridges the gap above the new $20,000 federal Parent PLUS annual cap.
All Credit Profiles
Subprime to prime borrowers welcome. The Credential Score sees more than FICO.
72-Hour Funding
Decision in 24 to 48 hours. Funds disbursed within 72.
WHO THIS IS FOR
For the families the new cap leaves short.
Families above the new $20,000 Parent PLUS cap
When the federal cap leaves a shortfall against the cost of attendance.
Parents paying for high-cost private institutions
Private four-year schools where tuition routinely exceeds $50,000 per year.
Co-signers for students with limited credit
When a parent's credit profile unlocks better terms for a thin-file student.
Multi-child households spreading the load
Families funding two or more students through overlapping enrollment years.
HOW IT WORKS
Four steps from application to disbursement.
Apply
Three minutes through the Loan Navigator.
Decision
24 to 48 hours with full terms.
Certify
The school confirms the cost of attendance.
Disburse
Funds to the institution within 72 hours of approval.
"Parent PLUS used to cover the full cost of attendance. Now it caps at $20,000 per year. Families need a real bridge."
LoanAmerica Underwriting
Ready to bridge the cap?
Apply through the Loan Navigator or read the FAQ first.