New rules require Parent PLUS loans to be consolidated into a new loan by June 30 to keep affordable payments, changing the compliance timeline for families seeking to protect payment options. The deadline is effectively earlier due to processing time, according to financial aid guidance. The update raises immediate planning needs for campuses, financial aid offices, and student support teams as families work through consolidation and enrollment-status verification. Delays could affect monthly payment levels and the availability of certain forgiveness pathways. For higher education professionals, the action item is straightforward: coordinate outreach to borrowers, update institutional aid counseling workflows, and ensure staff can explain how consolidation timing interacts with federal rules and repayment obligations.