I have a double consolidated parent plus loan that I was able to get onto the SAVE plan. My mother made little enough to have $0/month payments. The loans have been in the SAVE forbearance since July 2024 like everyone else.

    My understanding was that since I had already consolidated and gotten onto SAVE (an IDR plan), once the SAVE forbearance ends (or at least before Summer 2028), I'd just put the loans into IBR. However, I keep seeing people say that PPLs need to not only be consolidated, but also need to have made at least 1 payment specifically on ICR, before the loan will be able to qualify for IBR.

    My question is: does my mom's PPL already qualify for IBR since it was on SAVE and had been through a few $0/mo payments? or does that not count for some reason, and before summer 2028 I need to apply into ICR, have her make a payment, and then apply into IBR?

    Double Consolidated Parent Plus Loan
    byu/fakeshoesornah inStudentLoans



    Posted by fakeshoesornah

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