Summary: This plan simply abolishes Parent PLUS loans.
Released: Filed Under: NCFCA Policy
About "PLUS Loans (AFF)"
PARENT PLUS loans are loans provided directly by the US federal government (Dept. of Education) to parents of college students to pay for college expenses. There is no maximum limit on the amount of money they can borrow and the credit checks are minimal. Homeless people and minimum-wage workers have been known to qualify for many thousands of dollars in Parent PLUS loans, making them sound a lot like the “predatory” loans that the government is always trying to shut down when private lenders do them.
And it’s difficult or impossible to escape once you’ve signed up, since normally even bankruptcy does not discharge such loans. Colleges have a habit of deceiving parents by listing PLUS loans as part of the total package, along with aid, scholarships, work/study, allowing colleges to get off the hook for making college more affordable and tricking parents into thinking they’re some kind of “aid,” when in fact they are simply massive debt.
This plan simply abolishes Parent PLUS loans. Justification 4 answers pretty much all Negative objections: Those who need Parent PLUS loans can’t pay them back. Those who can pay them back don’t need them.
Note: Don’t mix these with Graduate Student PLUS loans, which are a separate issue and not covered by this plan.
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