Federal student loan servicing rules are creating a near-term operational and affordability deadline for Parent PLUS borrowers. Under new requirements, parents who have borrowed for a child’s education must consolidate into a new loan structure by June 30 to keep affordable payments and preserve access to some repayment and forgiveness options. The deadline is effectively earlier in practice due to processing time, meaning families need to coordinate with their loan servicer quickly to avoid losing options tied to the revised consolidation timeline. For higher education institutions, the immediate implications include expanded financial aid advising capacity during spring, clearer communications to families about timelines, and system updates for FAFSA and loan counseling workflows. With loan policy changes often driving enrollment deposit decisions and budget planning, the consolidation shift is likely to trigger a spike in parent borrower inquiries in the months leading into the summer.