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Transfer Parent PLUS Student Loans to Child

This bill allows parents to transfer the responsibility for certain federal Parent PLUS student loans to their children. This means parents could be relieved of the debt, and the children who benefited from the education funds would assume repayment, provided specific financial criteria are met and all parties agree.
Key points
Parents can transfer federal Parent PLUS loans to their children if the loan is in good standing.
The child must be 18 years or older and demonstrate the ability to repay the loan, based on income and credit history.
Once transferred, the child becomes the primary borrower, and the parent is no longer responsible for the loan.
Transferred loans will not count towards the child's student loan limits.
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Status:
Expired
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Additional Information
Print number: 117_HR_7982
Sponsor: Rep. Foster, Bill [D-IL-11]
Process start date: 2022-06-08
System Note: Lustra is free, publicly auditable civic infrastructure, with full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source, always verify them if you can.
Summarized by: gemini-2.5-flash-preview-05-20
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

Parent PLUS Loan Fairness and Responsibility Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 117_HR_7982.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2022-06-08.

What are the main provisions?

Key points include:

  • Parents can transfer federal Parent PLUS loans to their children if the loan is in good standing.
  • The child must be 18 years or older and demonstrate the ability to repay the loan, based on income and credit history.
  • Once transferred, the child becomes the primary borrower, and the parent is no longer responsible for the loan.
  • Transferred loans will not count towards the child's student loan limits.
What is the specific legal status?

The current status is Expired.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Foster, Bill [D-IL-11].

What is the latest detailed status?

The latest detailed status is: Referred to the House Committee on Education and Labor.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-28.

What is the impact of this bill?

We don't know, that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge.

CATEGORIES

Education Family