Parent PLUS loans have always been complicated, and recent rule changes have made them even more confusing. Learn what's changed, what still works, and where parents need to take action now. You'll hear real-life experience from a Parent PLUS borrower, clear explanations of new deadlines, and practical strategies for families still paying for college — or getting ready to.

Key moments:

(05:20) How double consolidation worked, and why it's now obsolete

(10:05) The June 30, 2026, deadline that locks you out of income-driven repayment

(13:31) How new rules impact PSLF for parents still borrowing

(29:26) Tax strategies, IRMAA, and when married filing separately helps

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Parent PLUS Loan Borrowing Changes and How to Save for College Now