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Consolidate Parent Plus Loans – Carol

“Dear Steve,

I have two PLUS loans that I took out for my daughter for her first two years in college. My husband passed away at the end of her first year.

I have two other children, who at the time where young enough that I was able to collect Social Security for them. Now that I can not longer receive the SS, I am having difficulty paying the PLUS loans.

Is there any program/way I can consolidate the two loans to make them more affordable based on my income?


Dear Carol,

Direct PLUS loans are eligible for consolidation. You should contact the servicer of the loans or visit the government loan consolidation page. You can apply online.

Unfortunately you are not eligible for lowering your payment in the new income based repayment program since these are PLUS loans. That would have been the best scenario.

Please post your responses and follow-up messages to me on this in the comments section below.


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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