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Affordable PLUS Repayment Options for Parents Act of 2025
To amend the Higher Education Act of 1965 to allow borrowers of Parent PLUS loans or loans under section 428B made on behalf of a dependent student to repay such loans pursuant to an income-contingent repayment plan or income-based repayment plan, and for other purposes.
Summary
The bill amends federal student loan law to allow parents who borrowed PLUS loans or consolidated PLUS loans for dependent students to repay using income-contingent or income-based repayment plans. Currently, these flexible repayment options are not available to PLUS loan borrowers. The bill removes the current restrictions that exclude PLUS loans from these income-driven repayment options, effective upon enactment. This allows parent borrowers to have monthly payments based on their income and family size rather than the standard fixed repayment formula.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Sponsor (1)
21 cosponsors
- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC)
- Rep. Adams, Alma S. [D-NC-12] (D-NC)
- Rep. Bell, Wesley [D-MO-1] (D-MO)
- Rep. Bynum, Janelle [D-OR-5] (D-OR)
- Rep. Carson, André [D-IN-7] (D-IN)
- Rep. Davis, Danny K. [D-IL-7] (D-IL)
- Rep. DelBene, Suzan K. [D-WA-1] (D-WA)
- Rep. Doggett, Lloyd [D-TX-37] (D-TX)
- Rep. Jayapal, Pramila [D-WA-7] (D-WA)
- Rep. Johnson, Julie [D-TX-32] (D-TX)
- Rep. McClellan, Jennifer L. [D-VA-4] (D-VA)
- Rep. McIver, LaMonica [D-NJ-10] (D-NJ)
- Rep. Olszewski, Johnny [D-MD-2] (D-MD)
- Rep. Ramirez, Delia C. [D-IL-3] (D-IL)
- Rep. Schakowsky, Janice D. [D-IL-9] (D-IL)
- Rep. Sewell, Terri A. [D-AL-7] (D-AL)
- Rep. Stansbury, Melanie A. [D-NM-1] (D-NM)
- Rep. Swalwell, Eric [D-CA-14] (D-CA)
- Rep. Thanedar, Shri [D-MI-13] (D-MI)
- Rep. Thompson, Bennie G. [D-MS-2] (D-MS)
- Rep. Tlaib, Rashida [D-MI-12] (D-MI)
Money behind the sponsor
Top reported contributors to Maxine Waters’s campaign committee (2024 cycle) — who funds the bill’s sponsor, not a claim about this bill. Data from FEC.
- GUSTAR KAPLAN NUSBAUM PLLC $9,900
- INVARIANT $8,300
- SLA WORLDWIDE $6,950
- MINDSET $6,800
- EGAN-JONES RATINGS CO. $6,600
Organizations whose employees gave the most — itemized individual contributions grouped by the donor’s reported employer (FEC Schedule A). Full finance for Maxine Waters → · Outside spending →
Actions (2)
- Feb 27, 2025 Referred to the House Committee on Education and Workforce. · house
- Feb 27, 2025 Introduced in House
More bills on these subjects (8)
Other bills that carry the most legislative subjects in common with this one (topical discovery — distinct from the procedural related bills above).
Similar bills (6)
Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.
Text versions (1)
Bills are re-published as they move (Introduced → Reported → Engrossed → Enrolled …). Each stage below is a separate text; pick two to see what changed. Data from Congress.gov.
Full text
IN THE HOUSE OF REPRESENTATIVES
February 27, 2025
Ms. Waters (for herself, Ms. Adams, Ms. Bynum, Mr. Carson, Mr. Davis of Illinois, Mr. Doggett, Ms. Jayapal, Ms. Johnson of Texas, Ms. McClellan, Mrs. McIver, Ms. Norton, Mr. Olszewski, Mrs. Ramirez, Ms. Schakowsky, Ms. Sewell, Ms. Stansbury, Mr. Swalwell, Mr. Thanedar, Mr. Thompson of Mississippi, and Ms. Tlaib) introduced the following bill; which was referred to the Committee on Education and Workforce
A BILL
To amend the Higher Education Act of 1965 to allow borrowers of Parent PLUS loans or loans under section 428B made on behalf of a dependent student to repay such loans pursuant to an income-contingent repayment plan or income-based repayment plan, and for other purposes.
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the “Affordable PLUS Repayment Options for Parents Act of 2025”.
SEC. 2. INCOME-CONTINGENT REPAYMENT PLAN.
Section 455 of the Higher Education Act of 1965 (20 U.S.C. 1087e) is amended—
(1) in subsection (d)(1)(D), by striking “, except that the plan described in this subparagraph shall not be available to the borrower of a Federal Direct PLUS loan made on behalf of a dependent student”; and
(2) in subsection (e)(1), by inserting at the end the following: “An income contingent repayment plan under this subsection shall be available to a borrower of a Federal Direct PLUS loan made on behalf of a dependent student or a Federal Direct Consolidation Loan the proceeds of which were used to discharge the liability on such a Federal Direct PLUS loan.”.
SEC. 3. INCOME-BASED REPAYMENT PLAN.
(a) Clarification of IBR.—Section 455(d)(1)(E) of such Act (20 U.S.C. 1087e(d)(1)(E)) is amended by striking “, except that the plan described in this subparagraph shall not be available to the borrower of a Federal Direct PLUS Loan made on behalf of a dependent student or a Federal Direct Consolidation Loan, if the proceeds of such loan were used to discharge the liability on such Federal Direct PLUS Loan or a loan under section 428B made on behalf of a dependent student”.
(b) IBR.—Section 493C of the Higher Education Act of 1965 (20 U.S.C. 1098e) is amended—
(1) by amending subsection (a) to read as follows:
“(a) Definition.—In this section, the term ‘partial financial hardship’, when used with respect to a borrower, means that for such borrower—
“(1) the annual amount due on the total amount of loans made, insured, or guaranteed under part B or D to a borrower as calculated under the standard repayment plan under section 428(b)(9)(A)(i) or 455(d)(1)(A), based on a 10-year repayment period; exceeds
“(2) 15 percent of the result obtained by calculating, on at least an annual basis, the amount by which—
“(A) the borrower’s, and the borrower’s spouse’s (if applicable), adjusted gross income; exceeds
“(B) 150 percent of the poverty line applicable to the borrower’s family size as determined under section 673(2) of the Community Services Block Grant Act (42 U.S.C. 9902(2)).”;
(2) in subsection (b)—
(A) in paragraph (1), by striking “(other than an excepted PLUS loan or excepted consolidation loan)”;
(B) in paragraph (6)(A), by striking “(other than an excepted PLUS loan or excepted consolidation loan)”; and
(C) in paragraph (7), by striking “(other than a loan under section 428B or a Federal Direct PLUS Loan)”; and
(3) in subsection (c)—
(A) in paragraph (1), by striking “(other than an excepted PLUS loan or excepted consolidation loan),”; and
(B) in paragraph (2)(B), by striking “(other than an excepted PLUS loan or excepted consolidation loan)”.
SEC. 4. EFFECTIVE DATE AND APPLICATION.
The amendments made by this Act shall take effect on the date of enactment of this Act, and shall apply with respect to each borrower who, on or after such date—
(1) has an outstanding balance on a Federal Direct PLUS Loan (or a loan under section 428B) made on behalf of a dependent student or a Federal Direct Consolidation Loan the proceeds of which were used to discharge the liability on such a Federal Direct PLUS loan (or on such a loan under section 428B); and
(2) is repaying or will repay such loan pursuant to an income-contingent repayment plan under section 455(e) of the Higher Education Act of 1965 (20 U.S.C. 1087e(e)) or an income- based repayment plan under section 493C of such Act (20 U.S.C. 1098e). <all>
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