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My son is 19 years old.  I am currently paying his college (not too expensive) from my pocket.   In the future he will study on a more expensive university (2 years from now).   I have back taxes and a lien for them.  Will that impact the ability of getting students loans for my son?   If so is there anyway that he can take them for himself?  (not private ones)

Hi there

I'm going to assume that your son is an undergraduate student and will be still at the new school.  The federal Stamford loan is one that your son will take in his own name.  Depending on your income, he may also be able to receive a federal Perkins loan.  Parent PLUS loans do have a credit check, but if you do not pass it (which is the likely result if you have a tax lien), you can get an endorser or your son would become eligible for additional federal unsubsidized Stamford loans.  You would start the process to apply for these by filling out the Free Application for Federal Student Aid at

let me know if you have other questions


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I can answer any questions about federal student loans and many about private student loans. I can also answer questions about other types of financial aid. I am not a financial planner or attorney so cannot give investment or legal opinions.


I have worked in the student loan industry for over 15 years - primarily in the compliance area. I also work with borrowers with particularly complicated issues. I had a column answering financial aid questions in several newspapers for seven years and have appeared in several radio and television segments on student loans and financial aid. I have given presentations all over the world on the US financial aid programs.

National Council of Student Loan Programs Massachusetts Association of Student Financial Aid Administrators

Boston Metro Washington Post Express various industry blogs and newsletters

BS in Business Communications.

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