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.
For the first time, Pell Grants will fund short-term job training — programs as short as eight weeks. Here is how Workforce Pell works, which programs qualify, and how the broader 2026-27 Pell changes affect families.
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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