Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - If my mom is denied the parent plus loan from the govt am I guaranteed to get an unsubsidized loan? - My mom was already approved for about $1,300 on a parent plus loan, but because of a mix up with my work study, I had to take out an additional $4,000. I haven't heard back from them yet, and I'm a little nervous about it because my mom filed for bankruptcy so I'm not sure if she'll get it or not, but like I said she already was approved for the $1,300.