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 https://www.sofi.com/student-loan-calculator/.

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

Is Cirque du Soleil’s LUZIA good for kids?

Update (4/25/17):  Add the jaw-dropping touch of Cirque du Soleil to Mother’s Day this year with LUZIA, a waking dream of Mexico. For a limited time only, tickets in price levels 1,2 & 3 are 20% off for selected Seattle performances of LUZIA scheduled through May 21st under the Big Top at King County’s Marymoor Park. For more information about this offer, visit www.cirquedusoleil.com/usa/seattle/deals. Regular tickets for all Seattle performances of LUZIA are available online at www.cirquedusoleil.com/luzia.


Sick of this Seattle Rain? Dreaming of the colors, sounds, and beasts of Mexico? You don’t have to go any further than Redmond’s Marymoor Park, where the creative geniuses at Cirque du Soleil have dreamed up an interpretation of Mexico like you’ve never seen before!

The title of this Cirque Show – “Luzia” – is a portmanteau of the Spanish words for light (“luz”) and rain (“illuvia”). Both light and rain are big themes in the show, with a giant omnipresent, medallion-shaped set piece that changes color, and a water feature that emulates rain showers and is used extensively to breathtaking effect. There are over 90 thousand tiny holes on the stage to drain the water, but the setup still requires some in-between acts shenanigans to clean and dry the stage.

My companion and I were torn on the goofy clown that performed between acts and helped create a (somewhat) cohesive narrative. I thought he was funny and charming, she felt the show would have been just fine without him. I think kids will love his ridiculous antics. From his introduction in the opening minutes in a skydiving bit to his silly interactions with the crowd using only a lifeguard’s whistle, his European style (no makeup!) of clowning is delightful!

Soccer as a circus art! Photo courtesy of Cirque du Soleil.

Clowning aside, hand-balancers, hoop riders, giant puppets, trapeze and adagio artists are the main thrill here, but the supporting performers dressed as armadillos and cockroaches that are peppered throughout the acts are sure to be a huge hit with kids. There are also talented jugglers, crazy soccer-ball tricks, and an unbelievable contortionist.  Luzia has something for everyone.

A highlight for me was seeing Seattle-native Kelly MacDonald perform. You could feel the local love for MacDonald, who performs as the flier in a type of acrobatic art called “Adagio”. Hearing the crowd cheer for MacDonald as the Adagio porters threw and caught her, balanced her, and even used her as a human jump rope was delightful, and the Adagio act is one of the most captivating in the show.

Cirque performer and Seattle-Native Kelly McDonald in the Adagio Routine. Photo courtesy of Cirque du Soleil.

I highly recommend Cirque du Soleil’s Luzia for any kids who are able to sit still and quiet for its two hour and 25 minute running time. There is a 25 minute intermission halfway through, but be forewarned, we spent almost that whole time waiting in line for the bathrooms, which are in trailers (but are clean, well lit, and much better than the standard porta-potty – they flush!).

Cirque du Soleil’s Luzia runs now through May 21st at Marymoor Park in Redmond, WA. Tickets are available HERE.



resell seo