5 Parent PLUS Loan Repayment Options for Families - NerdWallet

If you have Parent PLUS Loans, there’s a limited-time opportunity to restructure your repayment and potentially qualify for income-driven forgiveness, but this process takes months, and the deadline (June 30, 2026) is closer than it seems. Thanks to recent changes in federal policy, Parent PLUS borrowers can now access income-driven repayment (IDR) by completing either a single or double consolidation (a.k.a. double consolidation loophole) Each path has its own pros and cons, and the right one d

What to know about Parent PLUS loan forgiveness

How Teachers Can Get Their Student Loans Forgiven

If you have Parent PLUS loans, or know someone who does, this could save you 50% or more compared to paying it off on your own. This isn’t about refinancing. It’s a legal strategy that allows Parent PLUS borrowers to access income-driven repayment and loan forgiveness — but you need to act before that window potentially closes. At Student Loan Tutor, we’ve helped more borrowers—including parents — navigate the system than anyone else. We manage your loan strategy, document prep, and servicer com