Parent PLUS / Calculator
Checked against 34 CFR 685.208–685.209 and the 2026 ICR notice (91 FR 34815) on Oct 17, 2026
Parent PLUS repayment: what each option costs a month
Parent PLUS loans can’t use RAP. Which plans are left depends on when the loan was paid out and whether it has been consolidated.
How each figure is worked out
- Standard and Tiered Standard: a fixed payment that pays the loan off in 10 years, or in the Tiered Standard term for the balance (10, 15, 20 or 25 years).
- ICR: the lesser of the 12-year fixed payment times the 2026 income percentage factor for your AGI, and 20% of AGI above the poverty line for your family, divided by 12. ICR closes on July 1, 2028.
- IBR: 10% (or 15% if you owed a federal student loan on July 1, 2014) of AGI above 150% of the poverty line, divided by 12, capped at the 10-year payment. Open to a consolidation loan made before July 1, 2026 that repaid parent PLUS, once it has made at least one ICR payment before July 1, 2028.
- Consolidating after July 1, 2026: the new loan can only be repaid on Tiered Standard (HEA 455(g)(3) and (d)(7)(E), added by Public Law 119-21).