Affordable PLUS Repayment Options for Parents Act of 2025

This bill would let parents who borrowed Parent PLUS loans choose from more ways to pay them back. Right now, these parents can only use three payment plans: standard, graduated, or extended repayment. The bill would also let them use income-contingent repayment plans or income-based repayment plans, where payments are based on how much money they make. This change would apply to parents who already have these loans and parents who get them in the future.

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