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Parent PLUS Borrower Deferment Request - Student AidParent PLUS Borrower Deferment Request - Student

Parent PLUS Borrower Deferment Request - Student AidParent PLUS Borrower Deferment Request - Student 2025

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The document is a PARENT PLUS BORROWER DEFERMENT REQUEST form for the William D. Ford Federal Direct Loan and Federal Family Education Loan programs. It outlines the eligibility criteria for parents to defer repayment of PLUS Loans while their child is enrolled at least half-time in school. The form requires borrower information, a request for deferment, certifications, and an authorized official's certification of the student's enrollment status. It also includes instructions for completing the form, definitions of key terms, and important notices regarding privacy and paperwork reduction.

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We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

Is the parent plus loophole closing?

The double consolidation loophole makes it possible, but you need to follow a very specific process. And you must complete the steps before the loophole closes in 2025: Review your student loans in the National Student Loan Data System (NSLDS) and identify the parent PLUS loans.

Can parent PLUS loans be deferred until student graduates?

When to Make Loan Payments. If you request a deferment, you will not need to make payments while your child is enrolled at least half-time and for an additional six months after your child graduates, leaves school, or drops below half-time enrollment.

What is the loophole for parent plus borrowers?

In addition, parent PLUS loans arent eligible for some other types of federal student loan forgiveness programs. To get around this, some borrowers go through two or more federal consolidations to hide the origin of the loans, then request an IDR plan. This process is often called the double consolidation loophole.

What is the double loophole for parent PLUS loans?

The key to using the double consolidation loophole is to consolidate each of your Parent PLUS Loans twice. In this scenario, a borrower can have as few as two Parent PLUS Loans.

What is a parent plus borrower deferment request?

A deferment is a period during which you are entitled to postpone repayment of your loans. Interest is not generally charged to you during a deferment on your subsidized loans.

Is there any forgiveness for parent PLUS loans?

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 youre on ICR, you can pursue Public Service Loan Forgiveness.

How to get out of parent PLUS loans?

Parent PLUS Student Loan Forgiveness After consolidating with a Direct Consolidation Loan, Parent PLUS Loans can be forgiven through two programs: Income-Contingent Repayment (ICR) or Public Service Loan Forgiveness (PSLF).

What is a parent PLUS loan borrower?

Direct PLUS Loans for parents are unsubsidized loans made to parents of dependent undergraduate students. If a students parents cannot get a parent PLUS loan, the student may be eligible to receive additional unsubsidized loans. Learn more about parent PLUS loans.

Parent PLUS Borrower Deferment Request - Student AidParent PLUS Borrower Deferment Request - Student 2025

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