Student Loan Changes July 2026: New RAP Plan and Borrowing Limits Explained
2 Articles
2 Articles
Federal Parent PLUS loans will have a cap for the first time in history starting July 1: $20,000 a year and $65,000 in total for each dependent child.It is one of the most profound changes to the student loan system in decades, according to the final rule published by the Department of Education in April, which implements the provisions of the One Big Beautiful Bill Act signed by President Trump in July 2025.The changes affect millions of famili…
Student Loan Changes July 2026: New RAP Plan and Borrowing Limits Explained
The federal student loan system is about to look fundamentally different. On July 1, 2026, the most sweeping changes in decades take effect, reshaping how much students and parents can borrow and how they pay it back. For new borrowers, a tangle of repayment options collapses into just two choices. For the roughly 40 million Americans already carrying federal student debt, the rules create a series of deadlines and decisions that could determine…
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