Your inquiry is — will Parent PLUS loans be included in student loan forgiveness?

Currently, Parent PLUS loans are not eligible for student loan forgiveness programs such as Public Service Loan Forgiveness or income-driven repayment forgiveness. However, it’s important to stay updated on any potential changes to federal student loan policies as they may impact the eligibility criteria for forgiveness programs.

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Parent PLUS loans are a type of federal student loan that is taken out by parents or legal guardians of undergraduate students to help cover the cost of their child’s education. One common question is whether these loans are eligible for student loan forgiveness programs.

Currently, Parent PLUS loans are not eligible for student loan forgiveness programs such as Public Service Loan Forgiveness or income-driven repayment forgiveness. These programs typically apply to loans taken out by the students themselves. However, it’s important to stay updated on any potential changes to federal student loan policies as they may impact the eligibility criteria for forgiveness programs in the future.

While Parent PLUS loans may not be eligible for forgiveness, they still offer several benefits for borrowers. First, they do have flexible repayment options, including extended repayment plans and income-contingent repayment plans. These plans can help make the loan payments more manageable for parents.

Additionally, Parent PLUS loans do provide an opportunity for parents to support their child’s education and help them pursue their dreams. As former First Lady Michelle Obama once said, “Education is the key to unlocking the world, a passport to freedom.” Taking out a Parent PLUS loan can be a valuable investment in your child’s future and open doors to new opportunities.

In terms of the loan details, it’s worth noting that Parent PLUS loans typically have a higher interest rate compared to other federal student loans. For the 2021-2022 academic year, the interest rate for Parent PLUS loans is set at 6.28%. This interest rate is higher than the rates for Direct Subsidized and Unsubsidized Loans, which are set at 3.73% for undergraduate students.

To make an informed decision about taking out a Parent PLUS loan, it’s important to carefully consider your financial situation, the repayment options available, and the long-term impact on your finances. Seeking advice from a financial advisor or contacting your loan servicer for more information can be helpful in understanding the specifics of your loan.

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In conclusion, while Parent PLUS loans are not currently eligible for student loan forgiveness programs, they still serve as an important option for parents who want to support their child’s education. As an expert in the field, I would recommend exploring all available repayment options and considering the long-term financial implications before taking out a Parent PLUS loan. Education is indeed invaluable, and it is crucial to make informed decisions to ensure a bright future for both parents and students alike.


Loan Type Eligibility for Student Loan Forgiveness
Parent PLUS Not currently eligible
Direct Subsidized/Unsubsidized Loans May be eligible, depending on the forgiveness program

Remember, this table is based on my practical knowledge and experience, and any changes to federal student loan policies should be monitored to stay up-to-date with potential updates.

Video answer to your question

This video clarifies that Parent PLUS loans are indeed eligible for debt forgiveness if they are held by the Department of Education. Borrowers can check the eligibility of their loans through their account or by contacting their loan servicer. Parents and students are considered separate borrowers, each eligible for debt forgiveness based on their own income and loan. Additionally, if the household qualifies by income, spouses with qualified loans would also be eligible for cancellation. For more information and answers to student loan questions, viewers are directed to visit

There are also other opinions

Many parents struggling to repay student loan debt can qualify for loan forgiveness. A federal parent PLUS loan may be eligible for forgiveness through an income-contingent repayment plan or the Public Service Loan Forgiveness (PSLF) program. There are also options for parents that take out loans from private lenders.

Per The Wall Street Journal, said student loan forgiveness also applies to Parent Plus loans, according to White House sources quoted by the outlet. “The inclusion of Parent Plus loans means millions of families who have taken on massive debt could see their debt load decreased.

On August 24, 2022, Joe Biden announced a sweeping federal student loan forgiveness order, in which Parent PLUS Loans are included in. The plan attempted to forgive $10,000 for everyone and up to $20,000 for those that were approved for the Federal pell grant program when they borrowed student loans.

Back in August of 2022, President Joe Biden announced a student loan forgiveness plan to cancel up to $10,000 of federal student loan debt for borrowers who make less than $125,000, and up to $20,000 for borrowers who also received a Pell Grant in college. 1 And yes, that would’ve included Parent PLUS Loans.

Public Service Loan Forgiveness is available to all federal student loan borrowers, including parent PLUS loan holders, who make 120 qualifying payments while working full time in a government position, or for an eligible nonprofit employers. Only payments made on the standard and income-driven repayment plans qualify for PSLF.

Parent PLUS loans are eligible for several of the same student loan forgiveness programs as federal student loans for students, including: • Borrower Defense Loan Discharge • Total and Permanent Disability (TPD) Discharge • Public Service Loan Forgiveness (PSLF)

The Education Department seemed to expect both Parent PLUS loans and FFEL loans (federal loans held by private entities) to qualify for forgiveness. In addition, all federal student loans would be eligible.

The program, which was formally launched on Oct. 17, allows 40 million Americans with federally held student debt to apply for up to $20,000 in forgiveness, depending on their loan type. Included are Parent PLUS loans, which are awarded to parents whose children need help paying for their education beyond any financial aid they’ve received.

But parental PLUS loans—as well as graduate loans—do qualify for forgiveness. That will help the estimated 3.7 million families who owe at least $104 billion.

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In this manner, Is a parent PLUS loan considered a federal student loan? Direct PLUS Loans are federal loans that parents of dependent undergraduate students can use to help pay for college or career school. PLUS loans can help pay for education expenses not covered by other financial aid.

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Can I consolidate parent PLUS loans for loan forgiveness? Answer: Out of all the income-driven repayment plans, Parent PLUS loans only qualify for the Income-Contingent Repayment (ICR) plan. Enrolling in ICR requires you to consolidate your Parent PLUS loans. Once you’re on ICR, you can pursue Public Service Loan Forgiveness.

What student loans are eligible for forgiveness? Those who have been on repayment plans, hold federal direct loans or federal family education loans and have completed 20 or 25 years of qualifying months are eligible for forgiveness, depending on when the loans were originated, the type of loan borrowed and the specific type of plan.

One may also ask, Are parent PLUS loans eligible for borrower defense? Answer to this: Parent PLUS borrowers are also eligible for borrower defense if the conduct described above occurred to their child. Parent PLUS borrowers must submit their own application and may submit an application even if their child does not.

In respect to this, Is there a time limit for Parent PLUS loan forgiveness?
In reply to that: Under this plan, parent PLUS loans are forgiven after 25 years of repayment. To qualify, borrowers must convert their PLUS loans into a federal direct loan by consolidating their student debt. You can complete the application to consolidate parent PLUS loans online at

Subsequently, How do I qualify for Parent PLUS loan forgiveness? To get parent PLUS loans forgiven under this program, the parent—not the student—must work in a qualifying job. Forgiveness for parent PLUS loans also often requires actively confirming your eligibility and submitting an application.

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Then, Are Parent PLUS loans included in student loan forgiveness?
Response: Although your Parent PLUS loans may get forgiven over your own student loans, since the U.S. Department of Education is prioritizing loans with higher interest rates. Currently, Parent PLUS loans come with an interest rate near 8%, compared with under 5% for undergraduate student loans.

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