Are Parent PLUS or co-signed loans eligible for PSLF?

Created by Katherine Terrell, Modified on Fri, 21 Aug at 3:37 PM by Katherine Terrell

Sometimes, but the rules tightened in 2025 and 2026. Parent PLUS loans are not eligible for PSLF on their own. The "double consolidation" strategy that used to open up income-driven repayment for Parent PLUS borrowers closed to new consolidations as of July 1, 2025, with a final window that ended June 30, 2026. 


What is possible today depends on when your loans were consolidated and disbursed. Because it is now decided case by case, book a coaching call and we will review your specific loans and current options. 

Was this article helpful?

That’s Great!

Thank you for your feedback

Sorry! We couldn't be helpful

Thank you for your feedback

Let us know how can we improve this article!

Select at least one of the reasons
CAPTCHA verification is required.

Feedback sent

We appreciate your effort and will try to fix the article