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The school will first apply parent PLUS loan funds to the student’s school account to pay for tuition, fees, room and board, and other school charges.If any loan funds remain, your child’s school will give them to you to help pay other education expenses for the student.

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The Income-Contingent Repayment Plan is the only income-driven repayment plan available to parent PLUS borrowers, and to repay your parent PLUS loans under the Income-Contingent Repayment Plan, you must first consolidate the loans into a Direct Consolidation Loan.The cost of attendance is determined by the school.If you request a deferment, you will not need to make payments while your child is enrolled at least half-time and for an additional six months after your child graduates, leaves school, or drops below half-time enrollment.If you are unable to make your scheduled loan payments, contact your loan servicer immediately.Your servicer can help you understand your options for keeping your loan in good standing.

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