It's a Student Loan and Parent PLUS Matter

Borrowing for college often happens gradually — one gap at a time. In this episode, Laura breaks down what every family needs to know about federal student loans and Parent PLUS loans before financial aid offers arrive. From the critical difference between subsidized and unsubsidized loans, to the new Parent PLUS borrowing caps taking effect in July 2026, to how private loans compare.Loans are not the enemy. But borrowing without understanding the terms can create consequences that last long after graduation. This episode gives you the clarity to borrow intentionally — if and when you need to.