Kind of odd question...but do I have to wait to see what my son's college offers before we apply for a PLUS loan? I am worried about being approved! I just re-did our FAFSA because we got our taxes done. Before we had "estimated" what it would be, as it encourages you to do. Ironically it looks like my son will get offered less now. Once we did our real numbers, and added in our refund from last year, it no longer said that he would get a Pell Grant. Sad Its only about 4,000 more than our estimate, but obviously that put us in a different bracket of some kind?? Its hard because our son wants to go to a state school, and they needed more verification documents. The private schools just went off of the FAFSA information. I'm hoping the state school will be able to offer him something. it is a sad fact that private colleges can be cheaper than public!