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Only the parents of dependent students may apply for a PLUS Loan to offset costs. This requirement is called the “Return of Unearned Title IV Funds Policy.Your answers to questions on the FAFSA determine whether you are considered a dependent or independent student.An applicant is considered to be a dependent student unless he or she can answer "Yes" to one of the questions in Section 3 of the FAFSA.If the student applicant answers "No" to all of the dependency status questions then he or she is considered to be a dependent student for federal student aid purposes and must provide parental information.Please be aware that not living with your parents or not being claimed by them on tax forms does not make you an independent student for purposes of applying for federal student aid.