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
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