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#2 – Boodle Receiving the money from your loan is easy- it is deposited right into your bank account. The Federal Direct PLUS Loan is available to graduate and professional degree-seeking students. It is also available to the parents or guardians of dependent undergraduate students to help pay for education expenses. Applicants for the PLUS Loan must have a clear credit history, and must have no history of defaulting on any past loans. Maximum loan amounts are calculated by the total cost of college attendance less any financial aid already received. Interest rates on Federal Direct PLUS Loans currently stand at 7.9%. As a tribal lender Plain Green has not submitted to regulation by the states in which it operates. In general, each state has their own laws and regulators. This can make it very confusing and expensive for lenders as they must be in compliance with numerous and some times conflicting regulations. Native American tribes have a unique distinction in that they operate as separate entities and export their laws into other states. This simplifies compliance and at its best means tribal lenders can pass savings on to consumers but at its worst is gives room for lenders to do unscrupulous lending practices. It is for this reason that many states are challenging the right of tribes to export their laws. Plain Green appears to be a solid lender but we prefer state licensed lenders as there is an additional level of scrutiny. Plain Green is able to become state licensed but at this point is not.
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