Parent Plus Program

Parent Plus Program
Thе Pаrеnt Pluѕ program wаѕ launched іn 1980 wіth lіmіtѕ оn what раrеntѕ could borrow. Thоѕе сарѕ were ѕubѕеԛuеntlу lifted by Cоngrеѕѕ. Sіnсе 1993, раrеntѕ hаvе bееn еlіgіblе tо bоrrоw up tо thе соѕt оf attendance[1] (mіnuѕ aid received bу thе ѕtudеnt) to finance thе cost of аn undergraduate’s еduсаtіоn. Thе elimination of borrowing сарѕ combined with tuition іnсrеаѕеѕ, changes іn thе іnѕtіtutіоnѕ and programs ѕtudеntѕ аttеnd, аnd rеgulаtоrу changes hаvе lеd to increased lоаn burdеnѕ аnd wоrѕеnіng rерауmеnt оutсоmеѕ fоr раrеntѕ. Tоdау аt lеаѕt 3.4 mіllіоn Pаrеnt PLUS bоrrоwеrѕ оwе $87 bіllіоn (nоt іnсludіng аnу соnѕоlіdаtеd lоаnѕ[2]). That’s аbоut 6 реrсеnt of аll оutѕtаndіng fеdеrаl student lоаnѕ. Parent loans issued today are сhаrgеd a 4.248 реrсеnt origination fее аnd аn іntеrеѕt rate оf 7.6 реrсеnt.
Get Tips for Parents Borrowing Loans for College | Paying for College | US  News

Bесаuѕе раrеnt borrowers are gеnеrаllу іnеlіgіblе fоr many оf thе borrower рrоtесtіоnѕ аnd іnсоmе-bаѕеd loan plans аvаіlаblе tо ѕtudеnt bоrrоwеrѕ, the consequences оf rіѕіng dеbtѕ and dесlіnіng ability to рау саn bе ѕеvеrе, especially whеn bоrrоwеrѕ dеfаult. In thоѕе саѕеѕ, fеdеrаl аuthоrіtіеѕ аrе rеԛuіrеd to gаrnіѕh wаgеѕ аnd Sосіаl Security bеnеfіtѕ аnd confiscate tax rеfundѕ—а particular burden оn lоw- аnd mіddlе-іnсоmе families. (In 2017, the Trеаѕurу оffѕеt $2.8 billion, mоѕtlу іn tаx refunds, for delinquent ѕtudеnt-lоаn dеbtоrѕ іnсludіng bоth students аnd parents.) Whіlе defaults аrе rаrе аmоng раrеntѕ оvеrаll, they аrе relatively соmmоn fоr lоаnѕ tаkеn tо рау tuіtіоn аt сеrtаіn institutions аnd аmоng low-income bоrrоwеrѕ wіth wеаk сrеdіt. More gеnеrаllу, mаnу trends іn раrеnt bоrrоwіng mіrrоr changes in the patterns оf undеrgrаduаtе bоrrоwеrѕ.

Pаrеntѕ mау bоrrоw using PLUS lоаnѕ fоr соѕtѕ thаt are not mеt by оthеr fіnаnсіаl аіd (like grаntѕ оr loans taken оut bу thеіr сhіldrеn). Bоrrоwеrѕ fасе a vеrу bаѕіс сrеdіt check tо establish еlіgіbіlіtу, but thе сrеdіt ѕtаndаrd is low. Fоr instance, a parent who is already dеlіnԛuеnt оn uр to $2,085 іn dеbt іѕ ѕtіll еlіgіblе. Unlіkе ѕubѕіdіzеd ѕtudеnt loans, раrеnt loans begin ассruіng interest immediately uроn issue of the lоаn аnd mоnthlу рауmеntѕ bеgіn. Hоwеvеr, рауmеntѕ оn thе loan may bе dеfеrrеd (wіth іntеrеѕt) whіlе thеіr children are іn ѕсhооl. In рrасtісе, many parents арреаr tо сhооѕе dеfеrrаl, often fоr lоng durаtіоnѕ, leading tо rіѕіng bаlаnсеѕ. You can keep on reading more about other financial assistance programs by visiting

Can I take my kid to Black Panther? A Parents’ Guide

A Parents Guide to Black Panther

Black Panther: The Movie America Needs

The expectations for Marvel’s Black Panther film are high. The Black Panther comics have frequently touched on race relations, he fought the KKK in the mid-seventies, and the never-colonized Wakanda is seen as an allegory for real-world Ethiopia. The current run of the comics by journalist (The Atlantic, Time, The Village Voice) and best-selling author (Between the World and Me, We Were Eight Years in Power) Ta’ Nehisi Coates is highly acclaimed, and many have made comparisons of Coates’ T’Challa to Barack Obama. Lack of representation and whitewashing are finally becoming part of our public discourse, and our current political climate is not one that is friendly to black people (frankly, America, in general, is not friendly to black people). So in this world we’re in, how would Marvel – a company known for feel-good superhero romps, deal with a character that has been pretty political – he is the leader of a nation, after all – since his debut?

I think they did it really well. (The huge disclaimer here is that these are the opinions of a white lady.) Much of the film’s conflict revolves around how black people around the world are subjugated, denied resources, and kept down by their governments. The filmmakers did not shy away from calling out colonialism, the war on drugs, and other crimes committed against black populations. In Wakanda, the residents literally have to hide their culture to protect themselves. I imagine this is something that modern people of color feel that they have to do to be successful in a society that is dominated by white people and is frequently hostile to outward expressions of blackness.

In Black Panther, like in real-life America, Black Women Save the Day


My favorite part of this movie is that Black Panther doesn’t conquer any of the conflicts in the movie alone. He relies heavily on the women of Wakanda. The Dora Milaje, the King of Wakanda/Black Panther’s Royal Guards have been part of the mythos of Black Panther for the past twenty years. In the comics, they are Wakandas best women, chosen to be potential Queens for the King, and also to serve as highly trained guards. In the Black Panther movie, we don’t get a lot of background on who the Dora Milaje are, or what their history is – but what we do get is some serious ass-kicking by head guard Okoye. Okoye, like all of the female leads, saves the day more than Black Panther actually does. T’Challa’s sister, Shuri is a super-genius-Tony-Stark-like inventor who uses the Vibranuium that is so plentiful on Wakanda to create everything from a Mag-Lev transportation system to Black Panther’s suit.  T’Challa’s former girlfriend Nakia is a Wakandian spy and forward-thinker who wants to push Wakanda onto the world stage so that it might use its plentiful resources to help refugees. Finally, Ramonda, Queen of Wakanda, T’Challa and Shiri’s mother navigates the space between grieving her fallen husband and advising/protecting her newly crowned son. This is an overtly feminist film, and I was so into it.

White Parents, This is Your Teachable Moment.

White parents: There’s a lot here to talk about socially with younger kids. If you are willing to have these conversations (and you should) by all means take them to see Black Panther. They will see a world where people of color are inventors, negotiators, loving family members, queens, and heroes, and that’s something all white kids need to be exposed to more of.

Things all parents will want to talk about include themes of integrity, of taking responsibility for your mistakes, loyalty, and choosing to do what’s right over what’s expected.

So, Can I Bring my Kid to See Black Panther?

The bad guys in Black Panther use guns – the real-life kind, not cartoony laser weapons. People get shot, sometimes in cold blood. There are bullet wounds. There is hand-to-hand combat during a large-scale fight. Characters we have come to care for die. A character chooses to die rather than be jailed.

So at what age can your kid see Black Panther?  I think that if they have seen the other Marvel Movies, they’ll be fine. The motives of the bad guys are a little less clear-cut (they are even sympathetic sometimes), but this plot point could be the jumping off point for a good age-appropriate conversation about social justice.  If you really need a hard-age limit, a mature 10 years old is probably about right.

Black Panther stars Chadwick Boseman, Michael B. Jordan, Lupita Nyong’o, Danai Gurira, Forest Whitaker, Daniel Kaluuya, and Angela Bassett. It is rated PG-13 and is in theatres now.

This is not a political blog.

Which side of history do you want to be on?

“This is not a political blog.”

I have heard this statement from several of my fellow bloggers over the past few days.

“I blog about fashion/food/parenting. I shouldn’t be expected to make a statement about racism.”

Several of those bloggers have even posted these statements on Social Media with the addition of “I will delete negative comments. I don’t want the drama.”

The drama is here whether you want it or not.

This drama isn’t about formula feeding vs. breast feeding, your Paleo diet, or plus-sized fashion.

This drama is about white supremacy. Nazis. Racism. This drama is real, and lives are at stake.

Being able to ignore this drama is the ultimate form of white privilege. We can ignore it and go on living our lives, bolstered by the white supremacy that is literally killing our black neighbors.

Yes, you have an obligation to stand up against it. I don’t care if you blog exclusively about Disney Princesses. If you are white, and you have a platform, you absolutely must use it to denounce this.

White bloggers, you have a unique opportunity to let your readers in middle America know this is NOT OKAY. To let the mom who hasn’t had time to watch the news know this happening and it is NOT OKAY. To let your family know that it is NOT OKAY. 

Many bloggers have huge social media followings. Use it. Amplify black voices. Retweet those pictures of the Nazis. If you lose a few followers, who cares? They were Nazi-sympathizers. “50k Twitter followers, including white supremacists” doesn’t look great in your media kit anyway.

You have a soapbox, if you aren’t going to use it to stand up against Nazis, what are you going to use it for?

Do the right thing.


“If you stand for nothing…what will you fall for”

From Hamilton: An American Musical

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