Got the financial aid letter from my kids college. She is a transfer student. They offered a little bit in subsidized (since my EFC was almost near the cost of attending). A little more in unsubsidized, and then the majority in PLUS. This is all through Direct Loan. I'm kind of liking this method rather than searching around private lenders..

I must fill out the promissory note and qualify. I should qualify except a BK in 2000. Since then I've bought a house at regular rates and my score is around 722.

Not sure if they look harder at people or normal, like other creditors?