Student-Loan

Federal Direct Parent PLUS Loan

Federal student loan for parents of dependent undergraduates, with current 2025-26 rate/fee context, adverse-credit workflow, and timing strategy.

Type: Loan Amount: Up to school-certified cost of attendance minus other aid, subject to federal eligibility and school certification Deadline: Apply through school-year aid cycle; submit early before institutional billing deadlines Location: United States

Title 36, §5217-D: Credit for educational opportunity

State income tax credit reimbursing recent graduates who live and work in Maine for their student loan payments.

Type: Benefit Amount: Refundable credit up to the amount of annual eligible student loan payments; cap varies by tax year Deadline: File Maine Form 1040ME and Schedule PTFC/STC with April tax filing deadline Location: United States - Maine