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Parent PLUS Relief: New Income-Driven Repayment and Loan Forgiveness Options.

This Act expands repayment and discharge options for federal Parent PLUS loans, significantly easing the financial burden on parents. Borrowers will gain access to favorable income-driven repayment plans like SAVE and PAYE, potentially lowering monthly payments. Crucially, the bill introduces mechanisms for loan cancellation based on the student's disability, the student's own loan discharge, or the parent borrower's financial hardship.
Key points
Parent PLUS borrowers gain access to flexible Income-Driven Repayment plans (SAVE, PAYE), which were previously unavailable to them.
The loan can be discharged if the student becomes permanently disabled or if the student's own federal loan is cancelled (e.g., due to school misconduct).
The Secretary of Education must establish a process for discharging Parent PLUS loans based on the parent borrower's demonstrated financial hardship.
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Additional Information
Print number: 118_HR_9753
Sponsor: Rep. Adams, Alma S. [D-NC-12]
Process start date: 2024-09-23
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Summarized by: gemini-2.5-flash-preview-09-2025
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

Parent Plus Parity Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 118_HR_9753.

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 2024-09-23.

What are the main provisions?

Key points include:

  • Parent PLUS borrowers gain access to flexible Income-Driven Repayment plans (SAVE, PAYE), which were previously unavailable to them.
  • The loan can be discharged if the student becomes permanently disabled or if the student's own federal loan is cancelled (e.g., due to school misconduct).
  • The Secretary of Education must establish a process for discharging Parent PLUS loans based on the parent borrower's demonstrated financial hardship.
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. Adams, Alma S. [D-NC-12].

What is the latest detailed status?

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

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-26.

CATEGORIES

Education Benefits Family