Parent PLUS 2026 Cap: Private Student Loans Cosigner Risks

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Parent PLUS 2026 Cap: Private Student Loans Cosigner Risks

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In this episode of Parent PLUS & Private Student Loans, we examine how the 2026 federal cap on new Parent PLUS borrowing will push families toward private loans to cover remaining college costs. Blake breaks down the real tradeoffs, including the loss of federal repayment protections, deferment options, and income-driven plans when switching to private options that often require a cosigner. We explore practical steps like mapping your funding gap from award letters, comparing fixed rates against variable private offers, and modeling total interest paid over time. Listeners also learn about cosigner release programs, credit risks, and why reviewing fine print on unemployment or disability protections matters more than chasing lower advertised rates.

Key takeaways:
- Calculate your exact gap after grants before choosing between loan types.
- Run repayment scenarios with multiple lenders to compare long-term costs.
- Confirm cosigner release terms, including payment counts and credit tests.
- Weigh lost federal benefits against private loan flexibility before signing.

📩 Have questions or want to share your experience? Reach out at parent@senseofthisshit.com.
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