4 articles on student loans — written for parents making real decisions, not policy wonks.
The One Big Beautiful Bill Act is the biggest rewrite of federal student aid in decades. Here is what actually changes for families — borrowing limits, repayment plans, Pell Grants, and the deadlines that matter in 2026.
RAP replaces SAVE, PAYE, and ICR as the income-based repayment option for new federal student loans. Here is how payments are calculated, who must switch, and how RAP compares to the plans it replaces.
On July 1, 2026, the Grad PLUS program closes to new borrowers and Parent PLUS loans get hard annual and lifetime caps — plus a repayment restriction that catches many parents off guard. Here is the full picture.
A concise checklist for families preparing for federal student loan changes scheduled for July 2026 and how those changes should affect college list strategy now.
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