The $20,000 Cap: Your 90-Day Plan to Pay for College After the Parent PLUS Changes

Parent PLUS loans are now capped at $20,000 a year. Here's a 90-day plan to find your real gap and close it.

For many families, Parent PLUS used to fill the gap. Now it can't. This workbook explains the new loan rules in plain English, helps you find your family's real gap, get free money first, compare and appeal aid letters, and borrow smarter.

Inside you'll get:

- The new loan rules in plain English

- Find your family's gap

- FAFSA and CSS Profile done right

- How to read, compare and appeal award letters

- Ways to cut the cost and pay as you go

- A 90-day plan and scripts for aid offices

Who it's for: Parents of high school juniors and seniors, families with a student in college, and grandparents who help.

What you get: a 44-page PDF workbook with 12 printable worksheets. Instant download. Read it on any device, or print the worksheets.

Facts checked as of October 1, 2026. Educational only. Not financial advice.

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