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Do Consolidated Parent PLUS Loans Qualify for Forgiveness?

Written by Steve Rhode


Dear Steve,

Will have $160,000 of undergraduate parent plus debt for 2 kids. Recently divorced and debt is solely in my name

Do consolidated parent plus loans qualify for forgiveness after 10 years of working at a community health clinic (FHQC)?



Dear Amber,

My condolences on the $160K of Parent PLUS loans.

You ask a very loaded question. As I write this the Public Service Loan Forgiveness (PSLF) is an utter mess. The majority of people are not receiving forgiveness for a number of mostly administrative mistakes. You can catch up on news of the debacle, here.

Is it possible for you to qualify for forgiveness? Yes, but…

You will need to consolidate your Parent PLUS loans to qualify for PSLF.

You will then need to enroll that new loan into an income-driven repayment plan or under a standard loan you’d wind up repaying the loan within ten years.

The Department of Education actually has this very nice blog post on this issue.

Outside of the consolidation of debts, there are requirements if your employment would qualify. So the best answer I can give you is that your loans might be able to be forgiven if the Department of Education can get its act together, your employment qualifies, and stars align.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.


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