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Repayment of Direct PLUS Loans / Federal PLUS Loans for parents

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Payment plans


You cannot transfer your PLUS Loan to your child. While some parents and students may agree between themselves that the student will be responsible for making payments on the PLUS Loan, the debt obligation legally remains with the parent.


By the time your student completes his or her education, you may have borrowed several PLUS Loans. A Direct Consolidation Loan allows you to make single, possibly lower, monthly payments. Learn more about consolidation and determine if it's the right choice for you.