New rules for federal parent PLUS loans require consolidation into a new loan by June 30, according to reporting tied to deadlines for affordable payments and loan forgiveness options. Experts warn that while the formal cutoff is June 30, parents should act earlier to allow time for processing. The deadline creates an operational burden for financial aid offices as parents must navigate paperwork timing, repayment plan implications, and potential changes in eligibility for forgiveness depending on how consolidation is completed. For universities, this is a near-term customer-service and compliance challenge: advising and outreach must be coordinated with servicers and disbursement teams so families do not miss decision windows due to administrative processing delays. The reporting also connects to the broader policy environment—where federal aid rule changes increasingly require institutions to translate complex timelines into clear, actionable next steps for borrowers.