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But a Parent PLUS borrower choose to consolidate his or her Parent PLUS loans into a Direct Consolidation Loan.

To complete Entrance Counseling as an undergraduate student or graduate/professional student, you will need: Financial Awareness Counseling provides tools and information to help you understand your financial aid and assist you in managing your finances. Department of Education has informed you that you have an adverse credit history and you have: Exit counseling provides important information you need to prepare to repay your federal student loan(s).

If you consolidate parent PLUS loans with other direct federal student loans into a Federal Direct Consolidation Loan, the only income-driven repayment (IDR) program that loan will be eligible for is income-contingent repayment (ICR), the least generous of all IDR plans.

You will not be eligible to enroll in PAYE, REPAYE or IBR to repay a federal direct consolidation loan that includes a parent PLUS loan.

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