I've been a student loan strategist long enough to know when a system has failed the people it was meant to serve. Parent PLUS loans are one of those failures. Not because the loan itself is evil. But because parents were handed the keys to borrow up to the full cost of attendance — sometimes $30,000, $40,000, $50,000 a year — with almost no education about repayment, almost no guidance on what happens if their income changes, and almost zero awareness that something called Public Service Loa...

The Parent PLUS Loan System Was Never Designed to Be This Complicated. But Here We Are.

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