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What’s Changing For Student Loans In 2026?
Starting July 1, 2026, the federal student loan system will enter a new era.
A sweeping set of federal policy changes will reshape how families and graduate students borrow for college starting in 2026. The legislation, passed this summer, eliminates some long-standing loan programs and replaces them with new caps and repayment plans.
While the reforms aim to contain debt growth and improve accountability for colleges, they also mark a clear shift away from the flexible borrowing model that has defined federal student aid for years.
The Result: fewer borrowing options, stricter limits, and…
The skinny
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