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That’s a good point, thanks for bringing it up. It pretty much resolves the conundrum I was having in my original comment.

Small caveat (that ultimately doesn’t negate your point): PLUS loans have credit check requirements for determing eligibility[0] (with exceptions available in certain cases if you can satisfy additional requirements, like bringing an eligible cosigner who can pass the credit check).

0. https://studentaid.gov/understand-aid/types/loans/plus/paren...



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