How Can I Deal with an Unaffordable Parent PLUS Loan After Bankruptcy?


Dear Steve,

The Financial Aid dept. at Lincoln Collage of Technology, Indpls, In., at the time of meeting regarding a parent plus loan, would not take my husbands financial info as “he was not present at that meeting” , but only took mine (the mother), and I hardly made anything at my MLM business (if you want to call it that), and I didn’t figure I’d qualify (and shouldn’t have), but did to my amazement; that was at the time when the colleges were approving everyone whether they could afford it or not (that was about 2006)

We have since gone through Chapter 13 bankruptcy and the loan was in forebearance until our recent discharge and we now have to begin paying again on the loan. Since my name is the only one on the loan, is my husband responsible? I make no income now and we are still struggling. Is there some kind of forgiveness or cancellation since they knew I would not be able to afford this.

Is my husband still responsible even though he never was listed on or signed the loan?

Patti G.


Dear Patti,

The obvious solution here would be to quickly consolidate your Parent PLUS loan into a Direct Consolidation Loan and then get on the Income Contingent Repayment plan because this is a consolidation of a Parent PLUS loan. Your payment will be as low as $0 per month based on your income, and keep you out of default.


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.

Damon Day - Pro Debt Coach

Steve Rhode
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