{"id":187219,"date":"2023-10-15T05:18:01","date_gmt":"2023-10-15T05:18:01","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/can-parent-plus-loans-be-income-based-repayment\/"},"modified":"2023-10-15T05:18:01","modified_gmt":"2023-10-15T05:18:01","slug":"can-parent-plus-loans-be-income-based-repayment","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/can-parent-plus-loans-be-income-based-repayment\/","title":{"rendered":"Can Parent PLUS loans be income-based repayment?"},"content":{"rendered":"<p>Parent PLUS loans are federal loans that parents can take out to help pay for their child&#8217;s college education. These loans have flexible repayment options, but can they be based on the borrower&#8217;s income? Let&#8217;s delve into this question and explore the various aspects of Parent PLUS loans.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/can-parent-plus-loans-be-income-based-repayment\/#Can_Parent_PLUS_Loans_be_Income-Based_Repayment\" title=\"Can Parent PLUS Loans be Income-Based Repayment?\">Can Parent PLUS Loans be Income-Based Repayment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/can-parent-plus-loans-be-income-based-repayment\/#Frequently_Asked_Questions_FAQs\" title=\"Frequently Asked Questions (FAQs):\">Frequently Asked Questions (FAQs):<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/can-parent-plus-loans-be-income-based-repayment\/#1_Can_I_consolidate_my_Parent_PLUS_loan_into_a_Direct_Consolidation_Loan\" title=\"1. Can I consolidate my Parent PLUS loan into a Direct Consolidation Loan?\">1. Can I consolidate my Parent PLUS loan into a Direct Consolidation Loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/can-parent-plus-loans-be-income-based-repayment\/#2_Which_income-driven_repayment_plan_is_available_for_Parent_PLUS_loans\" title=\"2. Which income-driven repayment plan is available for Parent PLUS loans?\">2. Which income-driven repayment plan is available for Parent PLUS loans?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/can-parent-plus-loans-be-income-based-repayment\/#3_How_does_the_ICR_plan_calculate_monthly_payments\" title=\"3. How does the ICR plan calculate monthly payments?\">3. How does the ICR plan calculate monthly payments?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/can-parent-plus-loans-be-income-based-repayment\/#4_Is_there_a_minimum_income_requirement_for_income-based_repayment_of_Parent_PLUS_loans\" title=\"4. Is there a minimum income requirement for income-based repayment of Parent PLUS loans?\">4. Is there a minimum income requirement for income-based repayment of Parent PLUS loans?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/can-parent-plus-loans-be-income-based-repayment\/#5_Will_enrolling_in_an_income-driven_repayment_plan_extend_the_loan_term\" title=\"5. Will enrolling in an income-driven repayment plan extend the loan term?\">5. Will enrolling in an income-driven repayment plan extend the loan term?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/can-parent-plus-loans-be-income-based-repayment\/#6_Can_I_switch_to_income-based_repayment_if_Im_already_on_a_different_repayment_plan\" title=\"6. Can I switch to income-based repayment if I&#8217;m already on a different repayment plan?\">6. Can I switch to income-based repayment if I&#8217;m already on a different repayment plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/can-parent-plus-loans-be-income-based-repayment\/#7_Are_there_any_eligibility_criteria_for_income-based_repayment_of_Parent_PLUS_loans\" title=\"7. Are there any eligibility criteria for income-based repayment of Parent PLUS loans?\">7. Are there any eligibility criteria for income-based repayment of Parent PLUS loans?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/can-parent-plus-loans-be-income-based-repayment\/#8_Can_I_consolidate_my_Parent_PLUS_loan_with_other_federal_loans\" title=\"8. Can I consolidate my Parent PLUS loan with other federal loans?\">8. Can I consolidate my Parent PLUS loan with other federal loans?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/can-parent-plus-loans-be-income-based-repayment\/#9_Can_I_temporarily_postpone_payments_on_an_income-based_repayment_plan\" title=\"9. Can I temporarily postpone payments on an income-based repayment plan?\">9. Can I temporarily postpone payments on an income-based repayment plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/can-parent-plus-loans-be-income-based-repayment\/#10_Can_I_receive_loan_forgiveness_with_income-based_repayment_of_Parent_PLUS_loans\" title=\"10. Can I receive loan forgiveness with income-based repayment of Parent PLUS loans?\">10. Can I receive loan forgiveness with income-based repayment of Parent PLUS loans?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/can-parent-plus-loans-be-income-based-repayment\/#11_Will_the_interest_on_Parent_PLUS_loans_accrue_during_income-based_repayment\" title=\"11. Will the interest on Parent PLUS loans accrue during income-based repayment?\">11. Will the interest on Parent PLUS loans accrue during income-based repayment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/namso-gen.co\/blog\/can-parent-plus-loans-be-income-based-repayment\/#12_Can_both_parents_take_out_separate_Parent_PLUS_loans_and_consolidate_them_for_income-based_repayment\" title=\"12. Can both parents take out separate Parent PLUS loans and consolidate them for income-based repayment?\">12. Can both parents take out separate Parent PLUS loans and consolidate them for income-based repayment?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Can_Parent_PLUS_Loans_be_Income-Based_Repayment\"><\/span>Can Parent PLUS Loans be Income-Based Repayment?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>**Yes, Parent PLUS loans can be eligible for income-based repayment plans**. While these loans are not originally structured as income-driven, there is a way for parents to make them eligible for income-based repayment through a federal loan consolidation program.<\/p>\n<p>By consolidating the Parent PLUS loan into a Direct Consolidation Loan, parents can then choose to repay the loan under the Income-Contingent Repayment (ICR) plan. Under the ICR plan, the monthly loan payments are based on the borrower&#8217;s income, family size, and the total amount of their federal loans.<\/p>\n<p>The ICR plan calculates the monthly payment as 20% of the borrower&#8217;s discretionary income or the amount they would pay on a 12-year fixed repayment plan, whichever is lower. This option can provide parents with lower monthly payments based on their income and financial situation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_FAQs\"><\/span>Frequently Asked Questions (FAQs):<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Can_I_consolidate_my_Parent_PLUS_loan_into_a_Direct_Consolidation_Loan\"><\/span>1. Can I consolidate my Parent PLUS loan into a Direct Consolidation Loan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you can consolidate your Parent PLUS loan into a Direct Consolidation Loan to make it eligible for income-based repayment.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Which_income-driven_repayment_plan_is_available_for_Parent_PLUS_loans\"><\/span>2. Which income-driven repayment plan is available for Parent PLUS loans?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe Income-Contingent Repayment (ICR) plan is the income-driven repayment option available for Parent PLUS loans.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_How_does_the_ICR_plan_calculate_monthly_payments\"><\/span>3. How does the ICR plan calculate monthly payments?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe ICR plan calculates monthly payments as 20% of the borrower&#8217;s discretionary income or the amount due on a 12-year fixed repayment plan, whichever is lower.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Is_there_a_minimum_income_requirement_for_income-based_repayment_of_Parent_PLUS_loans\"><\/span>4. Is there a minimum income requirement for income-based repayment of Parent PLUS loans?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, there is no specific minimum income requirement to qualify for income-based repayment of Parent PLUS loans.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Will_enrolling_in_an_income-driven_repayment_plan_extend_the_loan_term\"><\/span>5. Will enrolling in an income-driven repayment plan extend the loan term?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, enrolling in an income-driven repayment plan may extend the loan term beyond the standard ten-year repayment period.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Can_I_switch_to_income-based_repayment_if_Im_already_on_a_different_repayment_plan\"><\/span>6. Can I switch to income-based repayment if I&#8217;m already on a different repayment plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you can switch to income-based repayment from another federal loan repayment plan by consolidating your Parent PLUS loan into a Direct Consolidation Loan.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Are_there_any_eligibility_criteria_for_income-based_repayment_of_Parent_PLUS_loans\"><\/span>7. Are there any eligibility criteria for income-based repayment of Parent PLUS loans?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nAs long as you consolidate your Parent PLUS loan into a Direct Consolidation Loan, you are eligible for income-based repayment.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Can_I_consolidate_my_Parent_PLUS_loan_with_other_federal_loans\"><\/span>8. Can I consolidate my Parent PLUS loan with other federal loans?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you can consolidate your Parent PLUS loan with other eligible federal loans to simplify your repayment and make them eligible for income-based repayment.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Can_I_temporarily_postpone_payments_on_an_income-based_repayment_plan\"><\/span>9. Can I temporarily postpone payments on an income-based repayment plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, under certain circumstances, you can apply for deferment or forbearance for your income-based repayment plan, temporarily suspending the monthly payments.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Can_I_receive_loan_forgiveness_with_income-based_repayment_of_Parent_PLUS_loans\"><\/span>10. Can I receive loan forgiveness with income-based repayment of Parent PLUS loans?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, after making 120 qualifying payments under an income-driven repayment plan, you may be eligible for loan forgiveness through the Public Service Loan Forgiveness (PSLF) program.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Will_the_interest_on_Parent_PLUS_loans_accrue_during_income-based_repayment\"><\/span>11. Will the interest on Parent PLUS loans accrue during income-based repayment?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, the interest on Parent PLUS loans will continue to accrue during income-based repayment, potentially increasing the total amount repaid over time.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Can_both_parents_take_out_separate_Parent_PLUS_loans_and_consolidate_them_for_income-based_repayment\"><\/span>12. Can both parents take out separate Parent PLUS loans and consolidate them for income-based repayment?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, both parents can each take out separate Parent PLUS loans, and then consolidate them into a single Direct Consolidation Loan for income-based repayment based on their combined income.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Parent PLUS loans are federal loans that parents can take out to help pay for their child&#8217;s college education. These loans have flexible repayment options, but can they be based on the borrower&#8217;s income? Let&#8217;s delve into this question and explore the various aspects of Parent PLUS loans. Can Parent PLUS Loans be Income-Based Repayment? &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Can Parent PLUS loans be income-based repayment?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/can-parent-plus-loans-be-income-based-repayment\/#more-187219\">Read more<span class=\"screen-reader-text\">Can Parent PLUS loans be income-based repayment?<\/span><\/a><\/p>\n","protected":false},"author":48,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-187219","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Can Parent PLUS loans be income-based repayment?<\/title>\n<meta name=\"description\" content=\"Parent PLUS loans are federal loans that parents can take out to help pay for their child&#039;s college education. 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