r/PSLF•
Little-List-8861

PSLF and Parent plus loan

I spent 2.5 hours in the phone yesterday trying to get answers to my questions. I am working towards PSLF and hoping buy back is still a thing once I get there. I have 30 months left. In the meantime this is what I THINK I need to do based on my conversation.

I had previously consolidated MY loans to prepare for moving out of forebearance.
I have since done a PLUS loan for my child

I now need to consolidate her loan also. I have to do ICR first, then once hers is consolidated I can move to IDR?

The rep said I will still be able to qualify for PSLF. (Which confused me because the Parent plus loan will be with my loans).

And they said that, yes; I have to pay on her loans for the remaining 30 months and that is just how it is.

Does that all sound correct? Am I missing anything?

Any insight is greatly appreciated!

Posted Jun 17, 2026, 1:06 PM UTC

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