Disclaimer: Student Loan Tutor is an independent business. We are not affiliated with and do not work for the US Internal Revenue Service (IRS) or the Department of Education. We are not a collection agency. All services are provided at the direction of our clients.
If you have Parent PLUS Loans, there is a limited-time opportunity to restructure your repayment and get access to income-driven forgiveness — but the clock is ticking.
Thanks to recent changes in federal law, Parent PLUS borrowers who consolidate by June 30, 2026 and enroll in IDR by June 30, 2028 may still qualify for the most favorable income-based repayment options available.
At Student Loan Tutor, we specialize in executing the Double Consolidation strategy, the only way for parents to unlock these benefits under the new rules.
Normally, Parent PLUS Loans are barred from accessing income-driven repayment (IDR) plans like Income-Contingent Repayment (ICR). But with a careful two-step consolidation process, we can reclassify your loans, giving you access to repayment options that were never intended for Parent PLUS borrowers.
With this strategy
-You consolidate twice using different loan servicers.
- Your Parent PLUS Loans lose their “PPL” label.
- You become eligible for income-driven plans and forgiveness.
But under the new law, this strategy is only possible if completed before the June 30, 2026 deadline.
By completing the Double Consolidation process and enrolling in an income-driven plan by the cutoff dates, you may be eligible for:
Access to the Income-Contingent Repayment Plan (ICR)
- Payments capped at 20% of discretionary income
- Forgiveness after 25 years
- Much lower monthly payments than standard repayment
Avoidance of the Standard Plan Trap
Without this strategy, Parent PLUS borrowers will be forced into a standard 10–25 year repayment plan starting in 2026, often with unaffordable monthly bills and no forgiveness options.
This loophole is available only until July 2026, and the process takes about four to six months to complete.
Student Loan Tutor is ranked 5.0 stars on the Better Business Bureau, Facebook and Google.
If you have Parent PLUS Loans, you’re likely familiar with the pain points of this loan type. Parent PLUS Loans (PPL) are notoriously more expensive, with higher interest rates and all of these loans accruing interest while your child/dependent is in school. This capitalizes and becomes part of the principal balance when you are required to start payments after they graduate leaving a much larger balance than what was borrowed.
This often leaves parents with a daunting repayment burden that grows over time. But there's a game-changing opportunity you need to know about.
At Student Loan Tutor, we handle the entire process for you, from paperwork to consolidation, ensuring you maximize your savings with minimal hassle. Our team has extensive experience and a proven track record of helping clients just like you transform their financial futures.
Expert Guidance
We'll coach you on how to minimize your payments and work toward complete loan forgiveness.
Seamless Process
We take care of all the paperwork, saving you time and stress.
Financial Planning
Our financial advisor partners will assist you in planning for any tax implications, ensuring you're fully prepared.
Student Loan Tutor is the industry leader in strategy implementation and document processing for federal student loans.
With over 10 years of experience and a track record of helping over 10,000 individuals free up over a billion dollars in student loan debt, we are dedicated to helping borrowers like you achieve financial freedom.
Our expertise lies in tailoring student loan repayment strategies.
We help clients redirect their money towards wealth accumulation, retirement planning, and business investments, rather than conventional debt servicing.
We are maintaining a flawless record with Trustpilot and an A+ accreditation with the Better Business Bureau.
Our founder and CEO, a Forbes, Bloomberg, Yahoo Finance, and Fortune contributor, specializes in federal student loan debt. With a decade of contributions in this niche, he brings unparalleled expertise to our services.
5/5 stars. Established 2015.
Student Loan Tutor does what you wish your servicer did. For a fee for service, your Tutor will craft a custom repayment strategy that navigates the system to save you the most money allowable.
We then handle all of the paperwork and servicer follow up to ensure servicer errors are corrected and deadlines are met.
As your financial situation evolves and new laws develop we'll make sure you're always on track for the greatest possible savings.
Comprehensive strategies tailored to individual needs
Expert guidance through the complex loan system
Hassle-free paperwork and follow-up services
Error resolution and deadline assurance
We optimize your finances with timely, accurate annual recertification
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October 31, 2024
Catch Our Latest Podcast Feature on Better Wealth! Since 2015, we’ve saved our clients close to $1 billion on student loans. Our founder, Zack Geist, joined Caleb on the Better Wealth show to reveal strategies for navigating the maze of federal student loans, unlocking ways to minimize debt, and even achieving effective 0% interest rates.
January 4, 2024
"The fact that borrowers don’t have access to reliable and accurate information about their student debt is at the heart of the student loan crisis. Federal student loan benefits, public service student loan forgiveness, income-driven repayment plans and how to navigate them and student loan forgiveness have been a complicated mess for student loan borrowers to navigate since their inception."
December 18, 2023
Zack Geist said that federal student loans are almost always mismanaged and there is a crucial need for more access to the proper information and support to manage student loans. “Similar to how taxpayers seek guidance from trained and licensed tax professionals to ensure accurate tax filings and prevent overpayment, you should consult with a professional regarding your student loans,” added Geist.
Ready to take control of your student loans? Schedule a free evaluation.
The rules are changing and this is likely the last opportunity for Parent PLUS borrowers to access real relief through income-driven repayment and eventual forgiveness.
Don’t wait. The process takes time, and June 2026 will come faster than you think.
Sign up for a free evaluation now. Our team will assess your situation, explain your options, and help you determine if you qualify for this transformative service.
