# 119-hr-1759: Affordable PLUS Repayment Options for Parents Act of 2025

119-hr-1759, Affordable PLUS Repayment Options for Parents Act of 2025, is a 119th Congress bill sponsored by Rep. Waters, Maxine [D-CA-43] (D-CA); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-1759
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-1759
- Congress: 119
- Title: Affordable PLUS Repayment Options for Parents Act of 2025
- Status: introduced
- Introduced: 2025-02-27
- Sponsor: Rep. Waters, Maxine [D-CA-43] (D-CA)
- Cosponsors: 21
- Policy area: Education
- Touches household money: yes
- Last recorded action: 2026-04-21

## 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). - 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.

## Cosponsors (21)

- Rep. Adams, Alma S. [D-NC-12] (D-NC), 2025-02-27T00:00:00.000Z
- Rep. Bynum, Janelle S. [D-OR-5] (D-OR), 2025-02-27T00:00:00.000Z
- Rep. Carson, André [D-IN-7] (D-IN), 2025-02-27T00:00:00.000Z
- Rep. Davis, Danny K. [D-IL-7] (D-IL), 2025-02-27T00:00:00.000Z
- Rep. Doggett, Lloyd [D-TX-37] (D-TX), 2025-02-27T00:00:00.000Z
- Rep. Jayapal, Pramila [D-WA-7] (D-WA), 2025-02-27T00:00:00.000Z
- Rep. Johnson, Julie [D-TX-32] (D-TX), 2025-02-27T00:00:00.000Z
- Rep. McClellan, Jennifer L. [D-VA-4] (D-VA), 2025-02-27T00:00:00.000Z
- Rep. McIver, LaMonica [D-NJ-10] (D-NJ), 2025-02-27T00:00:00.000Z
- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC), 2025-02-27T00:00:00.000Z
- Rep. Olszewski, Johnny [D-MD-2] (D-MD), 2025-02-27T00:00:00.000Z
- Rep. Ramirez, Delia C. [D-IL-3] (D-IL), 2025-02-27T00:00:00.000Z
- Rep. Schakowsky, Janice D. [D-IL-9] (D-IL), 2025-02-27T00:00:00.000Z
- Rep. Sewell, Terri A. [D-AL-7] (D-AL), 2025-02-27T00:00:00.000Z
- Rep. Stansbury, Melanie A. [D-NM-1] (D-NM), 2025-02-27T00:00:00.000Z
- Rep. Swalwell, Eric [D-CA-14] (D-CA), 2025-02-27T00:00:00.000Z
- Rep. Thanedar, Shri [D-MI-13] (D-MI), 2025-02-27T00:00:00.000Z
- Rep. Thompson, Bennie G. [D-MS-2] (D-MS), 2025-02-27T00:00:00.000Z
- Rep. Tlaib, Rashida [D-MI-12] (D-MI), 2025-02-27T00:00:00.000Z
- Rep. DelBene, Suzan K. [D-WA-1] (D-WA), 2025-03-06T00:00:00.000Z
- Rep. Bell, Wesley [D-MO-1] (D-MO), 2025-07-29T00:00:00.000Z

## Provisions PRIA read

- Income-driven plans for Parent PLUS: benefit, medium. 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 amoun…

## Related bills

- 119-hr-7973: Momnibus Act
- 119-hr-51: Washington, D.C. Admission Act
- 119-hr-20: Richard L. Trumka Protecting the Right to Organize Act of 2025
- 119-hr-5390: FAMILY Act
- 119-hr-15: Equality Act
- 119-hr-2743: Raise the Wage Act of 2025

## Sources
- [119-hr-1759 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/1759)

## Related
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-51: Washington, D.C. Admission Act](https://policyrisk.com/legislation/119-hr-51)
- [119-hr-20: Richard L. Trumka Protecting the Right to Organize Act of 2025](https://policyrisk.com/legislation/119-hr-20)
- [119-hr-5390: FAMILY Act](https://policyrisk.com/legislation/119-hr-5390)
- [119-hr-15: Equality Act](https://policyrisk.com/legislation/119-hr-15)
- [119-hr-2743: Raise the Wage Act of 2025](https://policyrisk.com/legislation/119-hr-2743)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-1759 (as of 2026-04-21).