Affordable PLUS Repayment Options for Parents Act of 2025

# Affordable PLUS Repayment Options for Parents Act of 2025 - Summary **What the Bill Would Do:** This bill would give parents who borrowed Parent PLUS Loans more flexible repayment options. Currently, these parents can only choose from three standard repayment plans. The bill would allow them to use income-contingent repayment (ICR) plans or income-based repayment (IBR) plans—options that adjust monthly payments based on how much money a borrower earns.

Parents can already access these flexible plans if they consolidate their loans into a different type of loan, but this bill would allow them to use these options directly, without consolidation. **Who It Affects:** The bill would benefit parents who took out Parent PLUS Loans to pay for their children's college education. It would apply to both new and existing borrowers. Parents with lower or variable incomes would likely benefit most, as income-based repayment plans can lower monthly payments during times of financial hardship. **Current Status:** The bill was introduced by Representative Maxine Waters (D-CA) in the 119th Congress and is currently in committee, meaning it has not yet been voted on by the full House.