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Best Parent Student Loans: How To Choose a Private or PLUS Loan

Whether a parent PLUS loan or private loan is right for you depends on factors like your credit and the borrower benefits you’re looking for.

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By Kelly Larsen

Written by

Kelly Larsen

Kelly Larsen is a student loans editor at Credible. She has spent over 10 years covering personal finance, with expertise in mortgage and debt management.

Edited by Renee Fleck

Written by

Renee Fleck

Renee Fleck is a student loans editor with over six years of experience. Her work has been featured in Fast Company, Morning Brew, and Sidebar.io, among other online publications. She is fluent in Spanish and French and enjoys traveling to new places.

Reviewed by Richard Richtmyer

Written by

Richard Richtmyer

Richard Richtmyer is a senior editor with over 20 years of finance experience. He's an expert on student loans, capital markets, investing, real estate, technology, business, government, and politics.

Updated March 24, 2025

Editorial disclosure: Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. Credible Operations, Inc. NMLS # 1681276, is referred to here as “Credible.”

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