Repay or Defer Parent PLUS Loan Payments


Your repayment period begins the date the loan is fully disbursed. The first payment is due within 60 days.

Your federal loan servicer will provide information about repayment and confirm the date repayment begins. Repayments are made to the federal loan servicer. Borrowers generally have from 10 to 25 years to repay the Direct Parent PLUS Loan.

Please note that Direct Parent PLUS Loan borrowers are only eligible for an income driven repayment plan if their loan debt has been consolidated.

The Student Loans online repay tool will guide you to the repayment option that meets your needs.


Deferment allows you to delay loan repayment until after your student is no longer enrolled at least half-time (6 credits). You also have the option to request an additional six month post-enrollment deferment after your student drops below half-time, graduates, or withdraws. You must request separate deferments for each loan period through your federal loan servicer.

Upon disbursement,you will receive repayment and deferment information from your loan servicer and may need to provide a copy of your student’s enrollment verification along with the in-school deferment form.