Money & Career Mastery: Debt, Wealth, Family & Legacy

138. The Hidden Cost of Parent PLUS Loans: What Every Family Needs to Know

Laura Sexton Episode 138

Before you meet with the college finance office this fall, hit play on this repeat episode that’s more relevant than ever. Parent PLUS loans may look like a helpful bridge to college—but too often, they create emotional and financial divides that families never recover from.

From resentment and relationship breakdowns to retirement sabotage, this episode unpacks why these loans are one of the most insidious forms of debt—and what you can do about it.

In this episode, you’ll learn:

  • Why Parent PLUS loans enable skyrocketing college costs
  • How these loans silently fracture parent-child relationships
  • The long-term impact on both retirement plans and career dreams
  • What conversations to have before signing any loan documents
  • How to help your child pursue higher education without going into debt

Timestamps:

00:03 The Hidden Costs of Parent PLUS Loans

01:49 Impact on Family Dynamics

04:16 Obligations and Resentment

06:31 Communication and Repayment Terms

08:47 Financial Implications for Parents

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