diff --git a/changelog.d/standard-minimum-per-borrower.added.md b/changelog.d/standard-minimum-per-borrower.added.md
new file mode 100644
index 00000000000..5353ce01c1c
--- /dev/null
+++ b/changelog.d/standard-minimum-per-borrower.added.md
@@ -0,0 +1 @@
+Apply the standard repayment plan's $50 minimum once across a borrower's Direct and parent PLUS loans in a new combined_standard_repayment_payment, as 34 CFR 685.208(b)(1)(ii) sets it, while a consolidated parent PLUS loan under 685.208(b)(2) keeps its own minimum.
diff --git a/policyengine_us/tests/policy/baseline/gov/ed/student_loans/standard_repayment/combined_standard_repayment_payment.yaml b/policyengine_us/tests/policy/baseline/gov/ed/student_loans/standard_repayment/combined_standard_repayment_payment.yaml
new file mode 100644
index 00000000000..838b3c8032f
--- /dev/null
+++ b/policyengine_us/tests/policy/baseline/gov/ed/student_loans/standard_repayment/combined_standard_repayment_payment.yaml
@@ -0,0 +1,210 @@
+# One $50 minimum on all of a borrower's payments under the standard repayment
+# plan (34 CFR 685.208(b)(1)(ii)), with Direct and parent PLUS loans amortized
+# separately and added: min(max(direct x f + parent PLUS x f, 50), direct +
+# parent PLUS). f is the 120-month factor at 6 percent:
+# .005 / (1 - 1.005 ^ -120) = .0111021. A parent PLUS Direct Consolidation Loan
+# that entered repayment on or after July 1, 2006 repays under 685.208(b)(2), a
+# separate plan with its own (b)(2)(ii) minimum, so its payment is added to the
+# Direct Loan payment as is.
+
+- name: Case 1, a small Direct balance and a large parent PLUS balance share one 50 dollar minimum.
+  period: 2026-01
+  absolute_error_margin: 0.01
+  input:
+    people:
+      person1:
+        age: 50
+        federal_student_loan_balance: 1_000
+        federal_parent_plus_loan_balance: 20_000
+        federal_student_loan_interest_rate: 0.06
+    tax_units:
+      tax_unit:
+        members: [person1]
+        filing_status: SINGLE
+    households:
+      household:
+        members: [person1]
+        state_code: OH
+  output:
+    # 1,000 x .0111021 = 11.10 and 20,000 x .0111021 = 222.04. Separately:
+    # max(11.10, 50) = 50 and 222.04. Together: max(11.10 + 222.04 = 233.14,
+    # 50) = 233.14, under the 21,000 balance.
+    standard_repayment_payment: 50
+    parent_plus_standard_repayment_payment: 222.04
+    combined_standard_repayment_payment: 233.14
+
+- name: Case 2, two small balances owe one 50 dollar minimum.
+  period: 2026-01
+  absolute_error_margin: 0.01
+  input:
+    people:
+      person1:
+        age: 50
+        federal_student_loan_balance: 1_000
+        federal_parent_plus_loan_balance: 1_000
+        federal_student_loan_interest_rate: 0.06
+    tax_units:
+      tax_unit:
+        members: [person1]
+        filing_status: SINGLE
+    households:
+      household:
+        members: [person1]
+        state_code: OH
+  output:
+    # 11.10 + 11.10 = 22.20, below 50, so one minimum of 50, under the 2,000 balance;
+    # each separate variable is 50.
+    standard_repayment_payment: 50
+    parent_plus_standard_repayment_payment: 50
+    combined_standard_repayment_payment: 50
+
+- name: Case 3, payments above the minimum add up as before.
+  period: 2026-01
+  absolute_error_margin: 0.01
+  input:
+    people:
+      person1:
+        age: 50
+        federal_student_loan_balance: 5_000
+        federal_parent_plus_loan_balance: 5_000
+        federal_student_loan_interest_rate: 0.06
+    tax_units:
+      tax_unit:
+        members: [person1]
+        filing_status: SINGLE
+    households:
+      household:
+        members: [person1]
+        state_code: OH
+  output:
+    # 5,000 x .0111021 = 55.51 each, both above 50: 55.51 + 55.51 = 111.02.
+    standard_repayment_payment: 55.51
+    parent_plus_standard_repayment_payment: 55.51
+    combined_standard_repayment_payment: 111.02
+
+- name: Case 4, a consolidated parent PLUS loan keeps its own minimum under 685.208(b)(2).
+  period: 2026-01
+  absolute_error_margin: 0.01
+  input:
+    people:
+      person1:
+        age: 50
+        federal_student_loan_balance: 1_000
+        federal_parent_plus_loan_balance: 20_000
+        federal_student_loan_interest_rate: 0.06
+        federal_parent_plus_loan_is_consolidated: true
+    tax_units:
+      tax_unit:
+        members: [person1]
+        filing_status: SINGLE
+    households:
+      household:
+        members: [person1]
+        state_code: OH
+  output:
+    # Consolidation total 20,000 + min(1,000, 20,000) = 21,000, in the 20,000 to
+    # 40,000 tier: 20 years. 20,000 x .005 / (1 - 1.005 ^ -240) = 143.29. Direct
+    # Loans under (b)(1): max(11.10, 50) = 50. Two plans, two minimums:
+    # 50 + 143.29 = 193.29.
+    standard_repayment_payment: 50
+    parent_plus_standard_repayment_payment: 143.29
+    combined_standard_repayment_payment: 193.29
+
+- name: Case 5, balances below the minimum cap the payment at the total balance.
+  period: 2026-01
+  absolute_error_margin: 0.01
+  input:
+    people:
+      person1:
+        age: 50
+        federal_student_loan_balance: 30
+        federal_parent_plus_loan_balance: 10
+        federal_student_loan_interest_rate: 0.06
+    tax_units:
+      tax_unit:
+        members: [person1]
+        filing_status: SINGLE
+    households:
+      household:
+        members: [person1]
+        state_code: OH
+  output:
+    # 30 x .0111021 + 10 x .0111021 = 0.44, raised to 50, then capped at the
+    # 40 total balance. Separately 30 and 10.
+    standard_repayment_payment: 30
+    parent_plus_standard_repayment_payment: 10
+    combined_standard_repayment_payment: 40
+
+- name: Case 6, parent PLUS loans alone match the parent PLUS variable.
+  period: 2026-01
+  absolute_error_margin: 0.01
+  input:
+    people:
+      person1:
+        age: 50
+        federal_student_loan_balance: 0
+        federal_parent_plus_loan_balance: 20_000
+        federal_student_loan_interest_rate: 0.06
+    tax_units:
+      tax_unit:
+        members: [person1]
+        filing_status: SINGLE
+    households:
+      household:
+        members: [person1]
+        state_code: OH
+  output:
+    # 20,000 x .0111021 = 222.04; no Direct Loans.
+    standard_repayment_payment: 0
+    parent_plus_standard_repayment_payment: 222.04
+    combined_standard_repayment_payment: 222.04
+
+- name: Case 7, Direct Loans alone match the Direct Loan variable.
+  period: 2026-01
+  absolute_error_margin: 0.01
+  input:
+    people:
+      person1:
+        age: 50
+        federal_student_loan_balance: 20_000
+        federal_parent_plus_loan_balance: 0
+        federal_student_loan_interest_rate: 0.06
+    tax_units:
+      tax_unit:
+        members: [person1]
+        filing_status: SINGLE
+    households:
+      household:
+        members: [person1]
+        state_code: OH
+  output:
+    # 20,000 x .0111021 = 222.04; no parent PLUS loans.
+    standard_repayment_payment: 222.04
+    parent_plus_standard_repayment_payment: 0
+    combined_standard_repayment_payment: 222.04
+
+- name: Case 8, a Direct Loan made on or after July 1, 2026 moves the borrower to the tiered plan.
+  period: 2026-01
+  absolute_error_margin: 0.01
+  input:
+    people:
+      person1:
+        age: 50
+        federal_student_loan_balance: 1_000
+        federal_parent_plus_loan_balance: 20_000
+        federal_student_loan_interest_rate: 0.06
+        has_federal_student_loan_made_on_or_after_2026_07_01: true
+    tax_units:
+      tax_unit:
+        members: [person1]
+        filing_status: SINGLE
+    households:
+      household:
+        members: [person1]
+        state_code: OH
+  output:
+    # 20 U.S.C. 1087e(d)(1), (d)(7)(A): the borrower repays under the tiered
+    # standard plan, so each standard plan payment is 0.
+    standard_repayment_payment: 0
+    parent_plus_standard_repayment_payment: 0
+    combined_standard_repayment_payment: 0
diff --git a/policyengine_us/tests/test_combined_standard_repayment_property.py b/policyengine_us/tests/test_combined_standard_repayment_property.py
new file mode 100644
index 00000000000..3aede6cb72c
--- /dev/null
+++ b/policyengine_us/tests/test_combined_standard_repayment_property.py
@@ -0,0 +1,236 @@
+"""Hypothesis checks: one standard plan minimum per borrower.
+
+34 CFR 685.208(b)(1) puts Direct Subsidized, Unsubsidized and PLUS loans on
+one standard plan, and (b)(1)(ii) sets its $50 minimum on the borrower's
+payments. combined_standard_repayment_payment adds the Direct and parent PLUS
+level payments before one minimum applies, unless the parent PLUS balance is
+a Direct Consolidation Loan under 685.208(b)(2), a separate plan with its own
+minimum. With D the Direct variable (standard_repayment_payment), P the parent
+PLUS variable (parent_plus_standard_repayment_payment) and C the combined
+payment, for generated balances, rates and consolidation flags:
+
+1. Bound: max(D, P) <= C <= D + P, and C <= the total balance.
+2. Agreement: C = D + P where both level payments reach the minimum, and
+   where the parent PLUS loan is consolidated.
+3. One loan type: with one balance zero, C equals the other variable.
+4. Monotonicity: C never falls as either balance rises, while the
+   consolidation loan's repayment period holds still.
+5. Differential: where the parent PLUS loan is not consolidated, C equals
+   min(max(Direct level payment + parent PLUS level payment, 50), total
+   balance), written here independently of the model. The first four hold
+   for D + P too, so this one is what catches a minimum on each loan type.
+
+Each generated borrower is simulated in five variants (as drawn, with a larger
+Direct balance, with a larger parent PLUS balance, with no Direct Loans and
+with no parent PLUS loans) in one vectorized simulation per example.
+"""
+
+import pytest
+
+from policyengine_us import Simulation
+
+hypothesis = pytest.importorskip("hypothesis")
+st = pytest.importorskip("hypothesis.strategies")
+
+MONTH = "2026-01"
+YEAR = 2026
+# Written from the law, not read from the parameter tree.
+STANDARD_MONTHS = 120  # 685.208(b)(1)(i)
+STANDARD_MINIMUM = 50  # 685.208(b)(1)(ii)
+# 685.208(b)(2)(iii): years by the consolidation loan plus other education
+# loans, counted up to the consolidation loan's amount.
+CONSOLIDATION_TIERS = ((60_000, 30), (40_000, 25), (20_000, 20), (10_000, 15))
+CONSOLIDATION_TIERS += ((7_500, 12), (0, 10))
+TOLERANCE = 0.011
+
+
+def amortized(balance, annual_rate, months):
+    monthly_rate = annual_rate / 12
+    if monthly_rate == 0:
+        return balance / months
+    return balance * monthly_rate / (1 - (1 + monthly_rate) ** -months)
+
+
+def consolidation_years(loans):
+    if not loans["consolidated"]:
+        return 10
+    total = loans["parent_plus"] + min(
+        loans["direct"] + loans["ffel"], loans["parent_plus"]
+    )
+    return next(years for floor, years in CONSOLIDATION_TIERS if total >= floor)
+
+
+borrower = st.fixed_dictionaries(
+    {
+        "direct": st.one_of(st.just(0), st.integers(1, 6_000), st.integers(1, 80_000)),
+        "parent_plus": st.one_of(
+            st.just(0), st.integers(1, 6_000), st.integers(1, 80_000)
+        ),
+        "ffel": st.one_of(st.just(0), st.integers(1, 30_000)),
+        "rate": st.sampled_from([0, 0.03, 0.06, 0.08]),
+        "consolidated": st.booleans(),
+        "new_loan": st.sampled_from([False, False, False, True]),
+        "direct_rise": st.integers(1, 20_000),
+        "parent_plus_rise": st.integers(1, 20_000),
+    }
+)
+
+
+def variants(loans):
+    return {
+        "base": loans,
+        "direct_rise": dict(loans, direct=loans["direct"] + loans["direct_rise"]),
+        "parent_plus_rise": dict(
+            loans, parent_plus=loans["parent_plus"] + loans["parent_plus_rise"]
+        ),
+        "no_direct": dict(loans, direct=0),
+        "no_parent_plus": dict(loans, parent_plus=0),
+    }
+
+
+def build(borrowers):
+    """One situation holding every variant of every borrower."""
+    people, tax_units, households = {}, {}, {}
+    order = []
+    for n, loans in enumerate(borrowers):
+        for variant, values in variants(loans).items():
+            name = f"b{n}_{variant}"
+            people[name] = {
+                "age": {YEAR: 50},
+                "federal_student_loan_balance": {YEAR: values["direct"]},
+                "federal_parent_plus_loan_balance": {YEAR: values["parent_plus"]},
+                "federal_ffel_loan_balance": {YEAR: values["ffel"]},
+                "federal_student_loan_interest_rate": {YEAR: values["rate"]},
+                "federal_parent_plus_loan_is_consolidated": {
+                    YEAR: values["consolidated"]
+                },
+                "has_federal_student_loan_made_on_or_after_2026_07_01": {
+                    YEAR: values["new_loan"]
+                },
+            }
+            tax_units[name] = {
+                "members": [name],
+                "filing_status": {YEAR: "SINGLE"},
+            }
+            households[name] = {"members": [name], "state_code": {YEAR: "OH"}}
+            order.append((n, variant))
+    situation = {
+        "people": people,
+        "tax_units": tax_units,
+        "households": households,
+        "marital_units": {k: {"members": v["members"]} for k, v in households.items()},
+        "spm_units": {k: {"members": v["members"]} for k, v in households.items()},
+        "families": {k: {"members": v["members"]} for k, v in households.items()},
+    }
+    simulation = Simulation(situation=situation)
+    results = {}
+    for variable in (
+        "standard_repayment_payment",
+        "parent_plus_standard_repayment_payment",
+        "combined_standard_repayment_payment",
+    ):
+        values = simulation.calculate(variable, MONTH)
+        results[variable] = {key: float(v) for key, v in zip(order, values)}
+    return results
+
+
+def check(borrowers):
+    results = build(borrowers)
+    problems = []
+    for n, loans in enumerate(borrowers):
+        cases = variants(loans)
+
+        def get(variable, variant):
+            return results[variable][(n, variant)]
+
+        for variant, values in cases.items():
+            d = get("standard_repayment_payment", variant)
+            p = get("parent_plus_standard_repayment_payment", variant)
+            c = get("combined_standard_repayment_payment", variant)
+            label = f"b{n} {variant} {values}: D={d} P={p} C={c}"
+            # 1. Bound.
+            if c > d + p + TOLERANCE:
+                problems.append(f"{label}: above D + P")
+            if c < max(d, p) - TOLERANCE:
+                problems.append(f"{label}: below max(D, P)")
+            if c > values["direct"] + values["parent_plus"] + TOLERANCE:
+                problems.append(f"{label}: above the total balance")
+            # 2. Agreement.
+            direct_level = amortized(values["direct"], values["rate"], STANDARD_MONTHS)
+            parent_plus_level = amortized(
+                values["parent_plus"],
+                values["rate"],
+                consolidation_years(values) * 12,
+            )
+            both_reach_minimum = (
+                direct_level >= STANDARD_MINIMUM
+                and parent_plus_level >= STANDARD_MINIMUM
+            )
+            if (both_reach_minimum or values["consolidated"]) and abs(
+                c - (d + p)
+            ) > TOLERANCE:
+                problems.append(f"{label}: differs from D + P")
+            # 5. Differential: one minimum, written here from the law.
+            if not values["consolidated"]:
+                total = values["direct"] + values["parent_plus"]
+                reference = min(
+                    max(direct_level + parent_plus_level, STANDARD_MINIMUM), total
+                )
+                if values["new_loan"]:
+                    reference = 0
+                if abs(c - reference) > TOLERANCE:
+                    problems.append(f"{label}: differs from one minimum {reference}")
+            # 3. One loan type.
+            if values["direct"] == 0 and abs(c - p) > TOLERANCE:
+                problems.append(f"{label}: no Direct Loans but C != P")
+            if values["parent_plus"] == 0 and abs(c - d) > TOLERANCE:
+                problems.append(f"{label}: no parent PLUS loans but C != D")
+        # 4. Monotonicity, where the consolidation period holds still.
+        base = get("combined_standard_repayment_payment", "base")
+        for variant in ("direct_rise", "parent_plus_rise"):
+            if consolidation_years(cases[variant]) != consolidation_years(
+                cases["base"]
+            ):
+                continue
+            if get("combined_standard_repayment_payment", variant) < base - TOLERANCE:
+                problems.append(f"b{n} {variant}: falls as the balance rises")
+    assert not problems, "\n".join(problems)
+
+
+@hypothesis.settings(
+    max_examples=10,
+    deadline=None,
+    # Each example is a simulation of up to 40 people. Shrinking a failure
+    # would run hundreds more, so a failing example is reported as drawn.
+    phases=[
+        hypothesis.Phase.explicit,
+        hypothesis.Phase.reuse,
+        hypothesis.Phase.generate,
+    ],
+    suppress_health_check=[
+        hypothesis.HealthCheck.too_slow,
+        hypothesis.HealthCheck.data_too_large,
+    ],
+)
+@hypothesis.given(st.lists(borrower, min_size=1, max_size=8))
+def test_one_standard_plan_minimum(borrowers):
+    check(borrowers)
+
+
+def test_one_standard_plan_minimum_hand_case():
+    # 1,000 Direct and 20,000 parent PLUS at 6%: 11.10 + 222.04 = 233.14,
+    # where the two variables each apply a minimum: 50 + 222.04.
+    loans = {
+        "direct": 1_000,
+        "parent_plus": 20_000,
+        "ffel": 0,
+        "rate": 0.06,
+        "consolidated": False,
+        "new_loan": False,
+        "direct_rise": 1,
+        "parent_plus_rise": 1,
+    }
+    results = build([loans])
+    combined = results["combined_standard_repayment_payment"][(0, "base")]
+    assert combined == pytest.approx(233.14, abs=0.01)
+    check([loans])
diff --git a/policyengine_us/variables/gov/ed/student_loans/standard_repayment/combined_standard_repayment_payment.py b/policyengine_us/variables/gov/ed/student_loans/standard_repayment/combined_standard_repayment_payment.py
new file mode 100644
index 00000000000..1d195b93b99
--- /dev/null
+++ b/policyengine_us/variables/gov/ed/student_loans/standard_repayment/combined_standard_repayment_payment.py
@@ -0,0 +1,72 @@
+from policyengine_us.model_api import *
+from policyengine_us.variables.gov.ed.student_loans.student_loan_amortization_helpers import (
+    direct_standard_amortized_payment,
+    parent_plus_standard_amortized_payment,
+)
+
+
+class combined_standard_repayment_payment(Variable):
+    value_type = float
+    entity = Person
+    label = "Combined Direct and parent PLUS standard repayment plan monthly payment"
+    documentation = (
+        "Monthly payment for a borrower with all of their Direct Loans "
+        "(federal_student_loan_balance) and parent PLUS loans "
+        "(federal_parent_plus_loan_balance) on the standard repayment plan. "
+        "34 CFR 685.208(b)(1) puts Direct Subsidized, Unsubsidized and PLUS "
+        "loans on one 10-year plan, and (b)(1)(ii) sets its $50 minimum on "
+        "the borrower's payments, so the two level payments are added before "
+        "one minimum applies, and the total is no more than the two balances. "
+        "A Direct Consolidation Loan that repaid parent PLUS loans and "
+        "entered repayment on or after July 1, 2006 "
+        "(federal_parent_plus_loan_is_consolidated) repays under 685.208(b)(2), "
+        "a separate plan with its own minimum in (b)(2)(ii), so for that "
+        "borrower this is the sum of standard_repayment_payment and "
+        "parent_plus_standard_repayment_payment. FFEL loans are not "
+        "included. A borrower who holds Direct Loans on one plan and parent "
+        "PLUS loans on another, such as an income-driven plan for the Direct "
+        "Loans, is not modeled here; the two separate variables stay the "
+        "right read for them. A borrower with a Direct Loan made on or after "
+        "July 1, 2026 cannot use these plans and repays under the tiered "
+        "standard plan (tiered_standard_repayment_payment), so this is zero "
+        "for them."
+    )
+    unit = USD
+    definition_period = MONTH
+    reference = (
+        "https://www.ecfr.gov/current/title-34/section-685.208#p-685.208(b)(1)",
+        "https://www.ecfr.gov/current/title-34/section-685.208#p-685.208(b)(2)",
+        "https://www.law.cornell.edu/uscode/text/20/1087e#d_1_A",
+    )
+
+    def formula(person, period, parameters):
+        p = parameters(period).gov.ed.student_loans.standard_repayment
+        direct_balance = person("federal_student_loan_balance", period.this_year)
+        parent_plus_balance = person(
+            "federal_parent_plus_loan_balance", period.this_year
+        )
+        amortized_payment = direct_standard_amortized_payment(
+            person, period, parameters
+        ) + parent_plus_standard_amortized_payment(person, period, parameters)
+        # 685.208(b)(1)(ii): one minimum on all of the borrower's payments
+        # under the plan, except a final payment below it.
+        one_plan_payment = min_(
+            max_(amortized_payment, p.minimum_payment),
+            direct_balance + parent_plus_balance,
+        )
+        # 685.208(b)(2): a consolidation loan repays under its own plan, with
+        # its own (b)(2)(ii) minimum.
+        is_consolidated = person(
+            "federal_parent_plus_loan_is_consolidated", period.this_year
+        )
+        two_plan_payment = person("standard_repayment_payment", period) + person(
+            "parent_plus_standard_repayment_payment", period
+        )
+        payment = where(is_consolidated, two_plan_payment, one_plan_payment)
+        # 20 U.S.C. 1087e(d)(1) and (d)(7)(A) and 34 CFR 685.208(b)(1)-(2)
+        # limit these plans to borrowers with no Direct Loan made on or after
+        # July 1, 2026.
+        has_new_loan = person(
+            "has_federal_student_loan_made_on_or_after_2026_07_01", period.this_year
+        )
+        return where(has_new_loan, 0, payment)
diff --git a/policyengine_us/variables/gov/ed/student_loans/standard_repayment/parent_plus_standard_repayment_payment.py b/policyengine_us/variables/gov/ed/student_loans/standard_repayment/parent_plus_standard_repayment_payment.py
index 3db5e618ef9..14f5ecf596f 100644
--- a/policyengine_us/variables/gov/ed/student_loans/standard_repayment/parent_plus_standard_repayment_payment.py
+++ b/policyengine_us/variables/gov/ed/student_loans/standard_repayment/parent_plus_standard_repayment_payment.py
@@ -1,6 +1,6 @@
 from policyengine_us.model_api import *
 from policyengine_us.variables.gov.ed.student_loans.student_loan_amortization_helpers import (
-    amortized_monthly_payment,
+    parent_plus_standard_amortized_payment,
 )
 
 
@@ -32,7 +32,10 @@ class parent_plus_standard_repayment_payment(Variable):
         "so this is zero for them. The flag is yearly, so a loan made in the "
         "second half of 2026 moves all of 2026 to the tiered plan. Repayment "
         "of consolidated parent PLUS loans under the Income-Contingent "
-        "Repayment plan is not modeled."
+        "Repayment plan is not modeled. For a borrower with both Direct and "
+        "parent PLUS loans on the standard plan, "
+        "combined_standard_repayment_payment gives the total, with one "
+        "minimum where both are under 34 CFR 685.208(b)(1)."
     )
     unit = USD
     definition_period = MONTH
@@ -46,27 +49,8 @@ class parent_plus_standard_repayment_payment(Variable):
     def formula(person, period, parameters):
         p = parameters(period).gov.ed.student_loans.standard_repayment
         balance = person("federal_parent_plus_loan_balance", period.this_year)
-        annual_rate = person("federal_student_loan_interest_rate", period.this_year)
-        # 685.208(b)(2)(iii) and 685.220(i)(2)(ii), (i)(3)(i): a consolidation
-        # loan's term follows its amount plus the borrower's other education
-        # loans, counted up to the consolidation loan's amount.
-        other_loans = add(
-            person,
-            period.this_year,
-            ["federal_student_loan_balance", "federal_ffel_loan_balance"],
-        )
-        consolidation_total = balance + min_(other_loans, balance)
-        is_consolidated = person(
-            "federal_parent_plus_loan_is_consolidated", period.this_year
-        )
-        repayment_period = where(
-            is_consolidated,
-            p.consolidation_repayment_period.calc(consolidation_total),
-            p.repayment_period,
-        )
-        number_of_payments = repayment_period * MONTHS_IN_YEAR
-        amortized_payment = amortized_monthly_payment(
-            balance, annual_rate, number_of_payments
+        amortized_payment = parent_plus_standard_amortized_payment(
+            person, period, parameters
         )
         # As in standard_repayment_payment, the minimum does not apply to a
         # final payment below it.
diff --git a/policyengine_us/variables/gov/ed/student_loans/standard_repayment/standard_repayment_payment.py b/policyengine_us/variables/gov/ed/student_loans/standard_repayment/standard_repayment_payment.py
index 69c914e461d..9b906043ef9 100644
--- a/policyengine_us/variables/gov/ed/student_loans/standard_repayment/standard_repayment_payment.py
+++ b/policyengine_us/variables/gov/ed/student_loans/standard_repayment/standard_repayment_payment.py
@@ -1,6 +1,6 @@
 from policyengine_us.model_api import *
 from policyengine_us.variables.gov.ed.student_loans.student_loan_amortization_helpers import (
-    amortized_monthly_payment,
+    direct_standard_amortized_payment,
 )
 
 
@@ -15,7 +15,10 @@ class standard_repayment_payment(Variable):
         "balance. The payment amortizes the current balance, not the balance "
         "when the loans entered repayment. A borrower with a Direct Loan made "
         "on or after July 1, 2026 cannot use this plan and repays under the "
-        "tiered standard plan instead (tiered_standard_repayment_payment)."
+        "tiered standard plan instead (tiered_standard_repayment_payment). "
+        "For a borrower with both Direct and parent PLUS loans on the "
+        "standard plan, combined_standard_repayment_payment gives the total, "
+        "with one minimum where both are under 34 CFR 685.208(b)(1)."
     )
     unit = USD
     definition_period = MONTH
@@ -28,10 +31,8 @@ class standard_repayment_payment(Variable):
     def formula(person, period, parameters):
         p = parameters(period).gov.ed.student_loans.standard_repayment
         balance = person("federal_student_loan_balance", period.this_year)
-        annual_rate = person("federal_student_loan_interest_rate", period.this_year)
-        number_of_payments = p.repayment_period * MONTHS_IN_YEAR
-        amortized_payment = amortized_monthly_payment(
-            balance, annual_rate, number_of_payments
+        amortized_payment = direct_standard_amortized_payment(
+            person, period, parameters
         )
         # The minimum does not apply to a final payment below it.
         payment = min_(max_(amortized_payment, p.minimum_payment), balance)
diff --git a/policyengine_us/variables/gov/ed/student_loans/student_loan_amortization_helpers.py b/policyengine_us/variables/gov/ed/student_loans/student_loan_amortization_helpers.py
index bae45d6fcc8..afdbc551027 100644
--- a/policyengine_us/variables/gov/ed/student_loans/student_loan_amortization_helpers.py
+++ b/policyengine_us/variables/gov/ed/student_loans/student_loan_amortization_helpers.py
@@ -18,3 +18,44 @@ def amortized_monthly_payment(balance, annual_rate, number_of_payments):
         where=monthly_rate > 0,
     )
     return balance * payment_per_dollar
+
+
+def direct_standard_amortized_payment(person, period, parameters):
+    """Level monthly payment on the person's Direct Loans over the 10-year
+    standard repayment plan (34 CFR 685.208(b)(1)), before the plan minimum
+    and the balance bound."""
+    p = parameters(period).gov.ed.student_loans.standard_repayment
+    balance = person("federal_student_loan_balance", period.this_year)
+    annual_rate = person("federal_student_loan_interest_rate", period.this_year)
+    number_of_payments = p.repayment_period * MONTHS_IN_YEAR
+    return amortized_monthly_payment(balance, annual_rate, number_of_payments)
+
+
+def parent_plus_standard_amortized_payment(person, period, parameters):
+    """Level monthly payment on the person's parent PLUS loans under the
+    standard repayment plan, before the plan minimum and the balance bound:
+    10 years (34 CFR 685.208(b)(1)), or 10 to 30 years for a Direct
+    Consolidation Loan that entered repayment on or after July 1, 2006
+    (685.208(b)(2))."""
+    p = parameters(period).gov.ed.student_loans.standard_repayment
+    balance = person("federal_parent_plus_loan_balance", period.this_year)
+    annual_rate = person("federal_student_loan_interest_rate", period.this_year)
+    # 685.208(b)(2)(iii) and 685.220(i)(2)(ii), (i)(3)(i): a consolidation
+    # loan's term follows its amount plus the borrower's other education
+    # loans, counted up to the consolidation loan's amount.
+    other_loans = add(
+        person,
+        period.this_year,
+        ["federal_student_loan_balance", "federal_ffel_loan_balance"],
+    )
+    consolidation_total = balance + min_(other_loans, balance)
+    is_consolidated = person(
+        "federal_parent_plus_loan_is_consolidated", period.this_year
+    )
+    repayment_period = where(
+        is_consolidated,
+        p.consolidation_repayment_period.calc(consolidation_total),
+        p.repayment_period,
+    )
+    number_of_payments = repayment_period * MONTHS_IN_YEAR
+    return amortized_monthly_payment(balance, annual_rate, number_of_payments)
diff --git a/source_conflicts/candidates.yaml b/source_conflicts/candidates.yaml
index 02d04ed6e37..0aa317084eb 100644
--- a/source_conflicts/candidates.yaml
+++ b/source_conflicts/candidates.yaml
@@ -10867,6 +10867,73 @@ candidates:
   state: unreviewed
   note: 'The open PR follows POMS rather than the broader regulatory reading; no statutory comparison or specific
     ruling is supplied. Code not yet on main: ssi_spousal_deeming_child_allocations, ssi_ineligible_child_allocation.'
+- id: us:standard-plan-minimum-consolidated
+  program: student-loans
+  years:
+    from: 2006
+    type: calendar
+  question: Does a borrower with Direct Loans on the 10-year standard plan and a Direct Consolidation Loan that repaid
+    parent PLUS loans owe one $50 minimum across both, or a minimum on each?
+  sources:
+  - kind: statute
+    citation: 20 U.S.C. 1087e(d)(1)(A)
+    url: https://www.law.cornell.edu/uscode/text/20/1087e#d_1_A
+  - kind: regulation
+    citation: 34 CFR 685.208(b)(1)(ii) and (b)(2)(ii)
+    url: https://www.ecfr.gov/current/title-34/section-685.208#p-685.208(b)(2)
+  readings:
+    statute: The statute provides a standard repayment plan and sets no minimum payment.
+    other: 'Per plan: a consolidation loan that entered repayment on or after July 1, 2006 repays under (b)(2), a separate
+      plan with its own (b)(2)(ii) minimum, so the borrower owes a minimum on each plan. Per borrower: one minimum
+      across all of the borrower''s standard plan payments.'
+  example: A borrower at 6% with $1,000 of Direct Loans and a $20,000 consolidated parent PLUS loan repaid over 20
+    years pays $50.00 + $143.29 = $193.29 with a minimum on each plan, against max($11.10 + $143.29, $50) = $154.39
+    with one minimum.
+  pe_us:
+    follows: gap-fill
+    code:
+    - policyengine_us/variables/gov/ed/student_loans/standard_repayment/combined_standard_repayment_payment.py
+    prs:
+    - https://github.com/PolicyEngine/policyengine-us/pull/10599
+  state: ruled
+  note: combined_standard_repayment_payment adds standard_repayment_payment and parent_plus_standard_repayment_payment
+    where federal_parent_plus_loan_is_consolidated is true. This narrows the per-borrower reading in
+    us:standard-plan-minimum-per-borrower to borrowers whose loans are all under (b)(1). The 2017 and 2025 CFR editions
+    hold these two plans at 685.208(b) and (c).
+- id: us:standard-plan-minimum-per-borrower
+  program: student-loans
+  years:
+    from: 2016
+    type: calendar
+  question: Does a borrower with both Direct Loans and unconsolidated parent PLUS loans on the 10-year standard plan
+    owe one $50 minimum on all of those payments, or a minimum on each loan type?
+  sources:
+  - kind: statute
+    citation: 20 U.S.C. 1087e(d)(1)(A)
+    url: https://www.law.cornell.edu/uscode/text/20/1087e#d_1_A
+  - kind: regulation
+    citation: 34 CFR 685.208(b)(1) and (b)(1)(ii)
+    url: https://www.ecfr.gov/current/title-34/section-685.208#p-685.208(b)(1)
+  readings:
+    statute: The statute provides a standard repayment plan and sets no minimum payment.
+    other: '(b)(1) gives Direct Subsidized, Unsubsidized and PLUS borrowers one plan, and (b)(1)(ii) says "A borrower''s
+      payments under this repayment plan are at least $50 per month", so one minimum covers all of them. The other
+      reading applies the minimum to each loan type''s payment.'
+  example: A borrower at 6% with $1,000 of Direct Loans and $20,000 of parent PLUS loans pays max($11.10 + $222.04,
+    $50) = $233.14 with one minimum, against $50.00 + $222.04 = $272.04 with a minimum on each.
+  pe_us:
+    follows: gap-fill
+    code:
+    - policyengine_us/variables/gov/ed/student_loans/standard_repayment/combined_standard_repayment_payment.py
+    prs:
+    - https://github.com/PolicyEngine/policyengine-us/pull/10599
+  state: ruled
+  note: standard_repayment_payment and parent_plus_standard_repayment_payment keep their own minimums, since a borrower
+    whose Direct Loans are on an income-driven plan repays parent PLUS loans alone on the standard plan;
+    combined_standard_repayment_payment applies one minimum for a borrower with both on the standard plan. The 2017 and
+    2025 CFR editions carry the same sentence at 685.208(b)(2), so the question runs from the model's first
+    minimum_payment value in 2016. Issue
+    10567 reports the double minimum.
 - id: us:student-loan-interest-joint-claimed-spouse
   program: income-tax
   years: