All articles in Parent PLUS Loans
Parent PLUS loans are federal loans for parents of dependent students — but with fewer repayment plans and a hard June 30, 2026 deadline to keep income-driven options through consolidation. Repayment, forgiveness, transfer, and discharge paths covered.
11 articles
11 of 11 guides
Repayment & deadlines
01Parent PLUS Loans: Your Options Before the June 30, 2026 DeadlineParent PLUS loans have fewer repayment and forgiveness options than other federal student loans. If your consolidation loan isn't disbursed by June 30, 2026, you permanently lose access to income-driven repayment and forgiveness.May 20266 min02Can't Pay Parent PLUS Loans? Your Options Before the June 2026 DeadlineCan't pay your Parent PLUS loans? Options include income-driven repayment, refinancing, and forbearance — but the IDR window closes June 2026.May 20269 min03Parent PLUS Loan Repayment Options: What Parents Need to Know Before July 2026Compare Parent PLUS repayment plans and learn how consolidation unlocks IBR through ICR before the June 2026 deadline.Mar 20266 min04Parent PLUS Loan Consolidation: Act Before the June 30, 2026 DeadlineParent PLUS consolidation must be disbursed by June 30, 2026 to preserve IDR eligibility. Here is how to consolidate now and what happens if you wait.May 20268 min05Parent PLUS Loan Tax Deduction: How It WorksExplore the Parent PLUS Loan Tax Deduction and save up to $2,500 on taxes. Unlock these benefits with our step-by-step guide.Aug 20239 min
Life events & forgiveness
01Parent PLUS Loan Forgiveness: Your Options, Timeline, and Deadlinesarent PLUS loans can be forgiven through PSLF (10 years) or IDR (20–25 years), but consolidation must be disbursed by June 30, 2026. Here's how each path works.Mar 202610 min02Parent PLUS Loan Forgiveness During CovidParent PLUS borrowers must consolidate by June 30, 2026 to keep income-driven repayment and forgiveness. Compare your options here.Mar 20266 min03What Happens to My Parent PLUS Loan When I Retire?arent PLUS loans can be forgiven through PSLF (10 years) or IDR (20–25 years), but consolidation must be disbursed by June 30, 2026. Here's how each path works.Mar 202610 min04What Happens to Parent PLUS Loans When the Parent Dies?arent PLUS loans are discharged if the parent borrower dies. Learn who is responsible, how death discharge works, and what happens to the loan balance.Mar 20264 min
Other guides
01I Consolidated My Parent PLUS Loan and Still Can't Afford the Payment — Now What?Consolidated your Parent PLUS loan but the payment is still too high? Here's how to switch from ICR to IBR and what to do if even IBR isn't enough.May 202610 min02How to Pause Parent PLUS Loan Payments: Deferment, Forbearance, and the $0 Payment OptionParent PLUS loan deferment pauses payments while your child is in school — but interest keeps accruing. Compare deferment, forbearance, and ICR options.May 20268 min
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