Affordable PLUS Repayment Options for Parents Act of 2025
Sponsored By: Representative Rep. Waters, Maxine [D-CA-43]
Introduced
Summary
Would expand income-driven repayment access for Parent PLUS borrowers. The bill would let borrowers with Federal Direct PLUS loans made for dependent students and certain consolidation loans that discharged those PLUS debts use Income-Contingent Repayment (ICR) and Income-Based Repayment (IBR).
Show full summary
- Parents and families: Parents with Parent PLUS loans could enroll in ICR or IBR so their payments are tied to income instead of a fixed 10-year schedule.
- Consolidation borrowers: Borrowers who used Federal Direct Consolidation loans to pay off Parent PLUS debt would also become eligible for ICR and IBR under the clarified rules.
- Hardship test and timing: The bill redefines partial financial hardship so the standard 10-year payment must exceed 15 percent of the amount by which adjusted gross income above 150 percent of the poverty line exceeds the threshold based on family size. The changes take effect on enactment and apply to borrowers with outstanding relevant loans on or after that date who are repaying or will repay under ICR or IBR.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
Income-driven plans for Parent PLUS
If enacted, this bill would let parents with Parent PLUS loans, and borrowers who consolidated those loans, use income-driven repayment. You could use income-contingent (ICR) or income-based (IBR) plans. You would qualify for IBR if your annual standard 10-year payment is more than 15% of the amount your (and your spouse’s) adjusted gross income is above 150% of the poverty guideline for your family size. It would remove current rules that block these borrowers from ICR and IBR. The change would start on the date of enactment and could lower your monthly payment if you meet the test.
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Sponsors & CoSponsors
Sponsor
Rep. Waters, Maxine [D-CA-43]
CA • D
Cosponsors
Rep. Adams, Alma S. [D-NC-12]
NC • D
Sponsored 2/27/2025
Bynum
OR • D
Sponsored 2/27/2025
Rep. Carson, Andre [D-IN-7]
IN • D
Sponsored 2/27/2025
Rep. Davis, Danny K. [D-IL-7]
IL • D
Sponsored 2/27/2025
Rep. Doggett, Lloyd [D-TX-37]
TX • D
Sponsored 2/27/2025
Rep. Jayapal, Pramila [D-WA-7]
WA • D
Sponsored 2/27/2025
Rep. Johnson, Julie [D-TX-32]
TX • D
Sponsored 2/27/2025
Rep. McClellan, Jennifer L. [D-VA-4]
VA • D
Sponsored 2/27/2025
Rep. McIver, LaMonica [D-NJ-10]
NJ • D
Sponsored 2/27/2025
Del. Norton, Eleanor Holmes [D-DC-At Large]
DC • D
Sponsored 2/27/2025
Rep. Olszewski, Johnny [D-MD-2]
MD • D
Sponsored 2/27/2025
Rep. Ramirez, Delia C. [D-IL-3]
IL • D
Sponsored 2/27/2025
Rep. Schakowsky, Janice D. [D-IL-9]
IL • D
Sponsored 2/27/2025
Rep. Sewell, Terri A. [D-AL-7]
AL • D
Sponsored 2/27/2025
Rep. Stansbury, Melanie Ann [D-NM-1]
NM • D
Sponsored 2/27/2025
Rep. Swalwell, Eric [D-CA-14]
CA • D
Sponsored 2/27/2025
Rep. Thanedar, Shri [D-MI-13]
MI • D
Sponsored 2/27/2025
Rep. Thompson, Bennie G. [D-MS-2]
MS • D
Sponsored 2/27/2025
Rep. Tlaib, Rashida [D-MI-12]
MI • D
Sponsored 2/27/2025
Rep. DelBene, Suzan K. [D-WA-1]
WA • D
Sponsored 3/6/2025
Rep. Bell, Wesley [D-MO-1]
MO • D
Sponsored 7/29/2025
Roll Call Votes
No roll call votes available for this bill.
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