​AG Raoul is urging Parent PLUS federal student loan borrowers who have not previously consolidated their Parent PLUS loans to consider doing so by April 1. Recent federal law changes mean that parent borrowers with unconsolidated Parent PLUS loans, or who take out new loans after July 1, will have limited repayment plan options and be ineligible for income-driven repayment plans. Having unconsolidated Parent PLUS loans will also prevent most borrowers from receiving Public Service Loan Forgiveness for those loans.