Parent PLUS Caps At $20,000 A Year, Leaving Cosigners Fewer Options In Year 4

Parent PLUS Caps At $20,000 A Year, Leaving Cosigners Fewer Options In Year 4

Author: The College Investor September 2, 2026 Duration: 6:42

As of July 1, 2026, new Parent PLUS borrowers are capped at $20,000 per dependent student per year and $65,000 for that student's entire undergraduate career. Before this change, Parent PLUS went all the way up to the school's full certified cost of attendance.

For families at expensive schools, that program was the entire plan. It closed whatever the aid package didn't, and it did so without much scrutiny. The problem you notice - $20,000 per year doesn’t translate to $65,000 if your child attends college for 4 or even 5 years… that’s a problem.

In partnership with Student Choice, we’re going to break down what borrowing for college looks like, and why you may want to consider an education line of credit.


Hosted by Robert Farrington, founder of The College Investor and a recognized Millennial Money Expert, The College Investor Audio Show transforms the website's most valuable insights into a daily, conversational format. This podcast directly tackles the financial hurdles unique to a generation, moving beyond theory into practical, actionable strategies. Each episode focuses on the core pillars of modern financial health: systematically eliminating student loan debt, demystifying the fundamentals of investing, and creating actionable paths to increase your income. The goal is clear: to guide you from a place of debt management to one of confident wealth building. You'll hear straightforward advice on navigating repayment plans, understanding where and how to start investing even with limited capital, and exploring side hustles or career moves that make a real difference. It’s a resource for anyone feeling stalled by their loans and eager to lay a solid foundation for their future. Tune in for a no-nonsense take on millennial money, where complex topics are broken down into manageable steps you can apply immediately.
Author: Language: English Episodes: 50

The College Investor Audio Show
Podcast Episodes
IRS Data: Families Paid Just $464 On Average In 529 Plan Penalties [not-audio_url] [/not-audio_url]

Duration: 6:37
New IRS data shows that the dreaded 529 plan penalty is far less common, and far less painful, than most families fear.According to the IRS Statistics of Income division's line item estimates for tax year 2023 (the most…
When Dollar Cost Averaging Works And When It Doesn’t [not-audio_url] [/not-audio_url]

Duration: 7:21
Dollar-cost averaging is a simple but effective strategy for addressing stock market volatility. Instead of trying to time the market with a large lump-sum investment, it invests smaller amounts at regular intervals.Some…
How Employers Can Contribute $2,500 To Trump Accounts [not-audio_url] [/not-audio_url]

Duration: 10:58
Employer contributions to Trump Accounts become legal on July 4, 2026 — one year to the day after the One Big Beautiful Bill Act created the new children's savings accounts. For small business owners, the launch opens a…