If you are denied the PLUS Loan, we strongly encourage you to request a copy of your credit report and clear up any delinquencies of 90 days or more, or challenge any discrepancies you find on that report. You should then appeal to the Department of Education, providing documentation that those discrepancies or issues have been resolved. In our experience, most students who do this succeed in having their initial denial overturned. Another option is to reapply for the PLUS Loan with a credit-worthy co-signer or endorser. If neither of these options works, we suggest that you reach out to our Office of Financial Aid. A financial aid officer will ask you to compile and submit a monthly budget listing all of your basic living expenses (rent, food, utilities, personal expenses, etc.). This additional information will allow the financial aid office to calculate the assistance you still need and how much CSSW can cover.