Should I consolidate my Parent PLUS loans before June 30, 2026?
Yes, if you may ever want income-driven repayment or PSLF for those loans. Under the July 2025 reconciliation law, a Direct Consolidation Loan that includes Parent PLUS loans must be disbursed by June 30, 2026 to retain access to income-driven repayment plans (ICR now, RAP after July 1, 2026). Consolidations completed after that date are limited to fixed-payment plans, which makes practical PSLF nearly impossible.