父母必须在新的截止日期内合并贷款,否则将失去偿还和宽恕计划的机会. Parents must consolidate loans by a new deadline or lose access to repayment and forgiveness programs.

拥有联邦父母PLUS贷款的家长面临着新的最后期限来整合他们的债务, 不然就有可能失去收入驱动偿还计划和联邦宽恕计划. Parents with federal Parent PLUS loans face a new deadline to consolidate their debt or risk losing access to income-driven repayment plans and federal forgiveness programs. 这些变化, 共和党支持的税收法案的一部分, 也降低了借款限制到每年20,000美元和65,000美元终身, 可能迫使家庭使用风险较高的私人贷款来支付大学费用. These changes, part of a Republican-backed tax bill, also lower borrowing limits to $20,000 annually and $65,000 lifetime, potentially forcing families to use riskier private loans to cover college costs. 许多借款人不知道新规则, 可能会面临经济困难和违约. Advocates warn many borrowers are unaware of the new rules, risking financial hardship and default.