Enacted in July 2025, the One Big Beautiful Bill Act (OBBB) made significant changes in federal student loan programs as a part of the shifts in fiscal policy. While there are no changes to federal student loans for the 2025–26 academic year, changes resulting from the legislation are slated for July 1, 2026.
»ÆÉ«²Ö¿â is continuing to track all of these changes and plans to update this site as more clarification from the U.S. Department of Education is released. In the meantime, please note:
Important disclaimer: The information contained on this page is provided under a good faith understanding of the evolving federal standards; it is not official guidance and should not be regarded by students as definitive. Students should refer to federal governmental sources for official guidance. See for more information.
To find out more about how OBBB affects you, please select one of the options below.
You may continue to borrow under the current rules (including Graduate PLUS Loans up to the Cost of Attendance) for up to three additional years if you meet BOTH of the following criteria:
If you change programs or start a new degree after July 1, 2026, you will be subject to the new limits.
Parents may continue to borrow under the current rules (up to the full Cost of Attendance) for up to three additional years if:
Here are steps you can take now:
We are here to help you. Please reach out to us if you have any questions.
For additional resources published by Federal Student Aid (FSA), please visit: