KAPLAN LAW FIRM - NATIONWIDE STUDENT LOAN LAWYERS

Parent PLUS Borrowers: Your Repayment Options Are About to Disappear Forever

Congress just passed a law that will eliminate flexible repayment options and cap borrowing limits. Act now to protect your financial future.

225 Days

Until Your Options Disappear

Schedule Your $450 Strategy Review Call Now: 312-248-9721

Watch: Why Time Is Running Out for Parent PLUS Borrowers

Attorney Rae Kaplan explains the urgent changes coming to Parent PLUS loans

What's Really at Stake for Your Family

$45,000

Potential borrowing gap per year after July 1, 2026

10 Years

Forced repayment term with no flexibility

Chance of loan forgiveness for new borrowers

Why This $450 Investment Makes Financial Sense

$1,161

Average monthly savings with income-driven repayment

$139,320

Potential savings over 10 years

309x

Return on your $450 investment

One strategy session could save you more than a year's college tuition.

Your Options: Before vs. After July 1, 2026

✓ Act Before July 1, 2026

✓ Borrow up to full cost of attendance
✓ Access Income-Driven Repayment plans
✓ Payments as low as $5/month based on income
✓ Qualify for Public Service Loan Forgiveness
✓ Loan forgiveness after 25 years
✓ Flexible deferment and forbearance options
✓ Grandfathered into current rules for 3 years

✗ Wait Until After July 1, 2026

✗ Capped at $20,000/year, $65,000 total
✗ NO income-based payment options
✗ Fixed high monthly payments regardless of income
✗ NO Public Service Loan Forgiveness
✗ NO loan forgiveness options
✗ Limited hardship options
✗ Locked into strict repayment terms

Why This Deadline Can't Be Extended

The One Big Beautiful Bill Act was signed into law. This is federal legislation - not a temporary policy that can be changed or extended. Once July 1, 2026 passes, these restrictions are permanent with no appeals process, no exceptions, and no way to grandfather in later.

Parents Who Worked with Kaplan Law Firm

"We consolidated our Parent PLUS loans and got on an income-driven plan. Our payment went from $1,443 to $282 per month. If we had waited past the deadline, we'd be stuck with the higher payment forever."

- Sarah M., Mother of Two

"The strategy session helped us understand that taking out even a small loan before July 2026 would grandfather us into the old rules. This saved us from a $25,000 annual funding gap."

- David K., Father with Child Starting College in 2026

Your $450 Parent PLUS Strategy Review Includes:

Personalized Timeline Analysis

We'll map out exactly when you need to take action based on your child's enrollment dates and your current loan situation.

Consolidation Strategy

Learn if consolidation before July 1, 2026 can preserve your access to income-driven repayment and loan forgiveness programs.

Payment Projection

See the difference between acting now vs. waiting, with real numbers based on your specific situation.

Grandfathering Options

Discover how taking strategic action now can lock in flexible repayment options for years to come.

Our Commitment to You

We're so confident in the value of our Parent PLUS Strategy Review that we guarantee you'll discover at least three actionable strategies that could save you thousands of dollars. Our team has helped over 5,000 families navigate student loan challenges, securing millions in savings and forgiveness.

Your $450 investment today protects your family's financial future for years to come.

Speak with Attorney Rae Kaplan Today

Our experts have helped thousands of parents navigate these changes

312-248-9721

50+ Years Helping Families with Student Loans

Schedule Your Strategy Review - $450

Invest in your family's financial future with a comprehensive consultation with our Parent PLUS specialists

Frequently Asked Questions

What exactly changes on July 1, 2026?

Starting July 1, 2026, Parent PLUS loans will be capped at $20,000 per year and $65,000 total per student. More critically, new loans will be completely ineligible for income-driven repayment plans and Public Service Loan Forgiveness. You'll be locked into standard 10-year repayment with no flexibility based on your income.

Can I still get help if my child starts college after July 2026?

While options will be severely limited, there are strategies to explore. However, if you can take any action before July 1, 2026 - even borrowing a small amount - you can potentially grandfather yourself into the current, more flexible rules for up to 3 additional years.

What if I already have Parent PLUS loans?

If you have existing Parent PLUS loans, it's crucial to consolidate them before July 1, 2026 to preserve your access to income-driven repayment and loan forgiveness options. Our strategy review will show you exactly how to protect your current loans.

Is this really permanent or could it change?

This is federal law passed by Congress as part of the One Big Beautiful Bill Act. It's not a temporary policy or executive order. Once July 1, 2026 passes, these restrictions are permanent with no appeals process or exceptions available.

What is the investment for the strategy session?

The comprehensive Parent PLUS Strategy Review is $450. This investment includes a detailed analysis of your specific situation, personalized recommendations for navigating the 2026 changes, and a clear action plan to protect your repayment options. Many families save thousands of dollars by implementing the strategies we discuss, making this a valuable investment in your financial future.

Don't Let This Deadline Pass You By

Every day that passes is one day closer to losing these options forever. A $450 investment today could save you thousands in the years ahead. Parents who act now will have flexibility and protection. Those who wait will be locked into rigid, expensive repayment terms with no way out.

Schedule Your Review for $450 Or Call: 312-248-9721