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