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Home Ask Student Aid FAQ Can I Consolidate my Loans with my Parent Loans

Can I Consolidate my Loans with my Parent Loans

No. Students may not include their parent’s Parent PLUS Loans in their Direct Consolidation Loan. However, if you are looking for options to transfer your parent's PLUS Loans to your name, this can be accomplished through a private student loan refinance.

Note to Parents: If you are looking to consolidate your Parent PLUS Loans with your own federal debt, you are able to include them in your own Direct Consolidation Loan. However, be careful with this. If you want to repay your federal consolidation loan with an income-driven repayment plan, or want to qualify for Public Service Loan Forgiveness, you will be limited to only an income-contingent repayment plan.