{"id":149745,"date":"2026-07-01T03:25:34","date_gmt":"2026-07-01T06:25:34","guid":{"rendered":"https:\/\/ubirataonline.com.br\/trumps-sweeping-changes-to-student-loans-take-effect-july-1-heres-what-they-mean-for-you\/"},"modified":"2026-07-01T03:25:35","modified_gmt":"2026-07-01T06:25:35","slug":"trumps-sweeping-changes-to-student-loans-take-effect-july-1-heres-what-they-mean-for-you","status":"publish","type":"post","link":"https:\/\/ubirataonline.com.br\/en\/trumps-sweeping-changes-to-student-loans-take-effect-july-1-heres-what-they-mean-for-you\/","title":{"rendered":"Trump\u2019s sweeping changes to student loans take effect July 1. Here\u2019s what they mean for you"},"content":{"rendered":"<p><\/p>\n<div data-editable=\"content\" itemprop=\"articleBody\" data-reorderable=\"content\">\n<p class=\"paragraph-elevate inline-placeholder vossi-paragraph_elevate\" data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/cmr13ahvu004p28qlbxk5cwc7@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\">\n            Attention federal student loan borrowers: Major changes are coming your way, starting Wednesday.\n    <\/p>\n<p class=\"paragraph-elevate inline-placeholder vossi-paragraph_elevate\" data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/cmr13avyr0001356r9tibbskv@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\">\n            That\u2019s when many of the provisions contained in President Donald Trump\u2019s sweeping One Big Beautiful Bill Act take effect.\n    <\/p>\n<p class=\"paragraph-elevate inline-placeholder vossi-paragraph_elevate\" data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/cmr13gflq001d356ri3j5tmjy@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\">\n            Some borrowers, particularly lower-income folks, will be hit with higher monthly payments. New professional and graduate students will have to contend with stricter loan limits. Parents will also face tighter caps on how much they can borrow to help their kids.\n    <\/p>\n<p class=\"paragraph-elevate inline-placeholder vossi-paragraph_elevate\" data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/cmr13avys0002356r3m2n0n31@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\">\n            The US Department of Education says the reforms implement \u201ccommonsense loan limits,\u201d simplify repayment options and improve the health of the federal student lending system. But critics worry that the changes will make it harder and more expensive for students to finance their education and to repay their loans afterwards.\n    <\/p>\n<p class=\"paragraph-elevate inline-placeholder vossi-paragraph_elevate\" data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/cmr13avys0003356rvym7w79r@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\">\n            Federal student loans are critical to many Americans\u2019 ability to go to college or grad school. Nearly 43 million borrowers have student loans, totaling $1.7 trillion, as of March, according to the <a href=\"https:\/\/fsapartners.ed.gov\/knowledge-center\/library\/electronic-announcements\/2026-06-23\/federal-student-aid-posts-updated-reports-fsa-data-center\" target=\"_blank\">Federal Student Aid office<\/a>.\n    <\/p>\n<p class=\"paragraph-elevate inline-placeholder vossi-paragraph_elevate\" data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/cmr13avys0004356rzbfs6cmc@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\">\n            Here\u2019s what borrowers need to know.\n    <\/p>\n<p class=\"paragraph-elevate inline-placeholder vossi-paragraph_elevate\" data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/cmr13avys0006356rs0acfw3x@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\">\n            The law, which Trump signed last July, created a new tiered standard repayment plan and a new Repayment Assistance Plan, known as RAP.\n    <\/p>\n<p class=\"paragraph-elevate inline-placeholder vossi-paragraph_elevate\" data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/cmr13avys0007356r3joy1a8p@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\">\n            Under the standard plan, borrowers will have between 10 years and 25 years to repay their loans depending on the amount borrowed. Those with higher balances will have more time to repay their loans, which will result in smaller monthly payments.\n    <\/p>\n<p class=\"paragraph-elevate inline-placeholder vossi-paragraph_elevate\" data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/cmr13avys0008356rrnc79k1n@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\">\n            In the RAP plan, borrowers\u2019 monthly payments will be between 1% and 10% of their income, depending on their earnings \u2013 though they must pay at least $10 a month. They\u2019ll get a $50 reduction in their monthly payments for each of their dependents, and remaining balances will be canceled after 30 years of payments.\n    <\/p>\n<p class=\"paragraph-elevate inline-placeholder vossi-paragraph_elevate\" data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/cmr13avys0009356r75n4i1a3@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\">\n            Some borrowers will pay more under RAP than under current income-driven repayment options, student loan experts say, due to the way the loan repayment programs are structured.\n    <\/p>\n<p class=\"paragraph-elevate inline-placeholder vossi-paragraph_elevate\" data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/cmr13avys000a356rtggldb83@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\">\n            Importantly, these new repayment plan options only apply to students taking out new loans, at least for the next two years.\n    <\/p>\n<p class=\"paragraph-elevate inline-placeholder vossi-paragraph_elevate\" data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/cmr13avys000b356rpsyxnfym@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\">\n            Borrowers who are currently repaying loans won\u2019t see any immediate changes. However, most existing repayment plans \u2013 including the Income-Contingent Repayment (ICR) plan and the Pay As You Earn (PAYE) plan \u2013 will be eliminated as of July 2028. At that time, borrowers will have to switch to the new tiered standard repayment plan, RAP or the Income-Based Repayment plan.\n    <\/p>\n<p class=\"paragraph-elevate inline-placeholder vossi-paragraph_elevate\" data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/cmr13avys000c356r4bboqbzq@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\">\n            Those in the Saving on Valuable Education (SAVE) plan \u2014 a Biden administration-era income-driven repayment plan that was <a href=\"https:\/\/www.cnn.com\/2024\/08\/28\/politics\/supreme-court-biden-student-loan\">blocked<\/a> by federal courts \u2014 are now being notified that they must switch into an alternate plan within 90 days. They will pay considerably more under RAP, experts say.\n    <\/p>\n<p class=\"paragraph-elevate inline-placeholder vossi-paragraph_elevate\" data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/cmr13avys000d356romicgz4x@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\">\n            New 2026 graduates have the option of selecting the new RAP or tiered standard repayment plans but also have access to existing repayment options until July 2028.\n    <\/p>\n<p class=\"paragraph-elevate inline-placeholder vossi-paragraph_elevate\" data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/cmr13avys000f356rp5c51q44@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\">\n            Graduate school students will no longer be able to borrow up to the \u201ccost of attendance\u201d for their programs.\n    <\/p>\n<p class=\"paragraph-elevate inline-placeholder vossi-paragraph_elevate\" data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/cmr13avys000g356rja4htna3@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\">\n            The new limits \u2014 which take effect Wednesday for newly enrolling students and July 2029 for current students \u2014 will be $20,500 annually and $100,000 over a lifetime.\n    <\/p>\n<p class=\"paragraph-elevate inline-placeholder vossi-paragraph_elevate\" data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/cmr13avys000h356rdia69zfb@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\">\n            Also, the Grad PLUS loan, which allowed professional and graduate students to borrow up to cost of attendance, will be eliminated.\n    <\/p>\n<p class=\"paragraph-elevate inline-placeholder vossi-paragraph_elevate\" data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/cmr13avys000i356rb7c3vkx9@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\">\n            For those going to professional schools such as medical school or law school, their ability to borrow will be capped at $50,000 annually and at $200,000 over their lifetime. The prior limit was \u201ccost of attendance,\u201d which for US medical schools is an average of <a href=\"https:\/\/educationdata.org\/average-cost-of-medical-school\" target=\"_blank\">nearly $60,000 a year<\/a>, according to an education research group.\n    <\/p>\n<p class=\"paragraph-elevate inline-placeholder vossi-paragraph_elevate\" data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/cmr14z0pq0000356rodl67fh6@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\">\n            In a <a href=\"https:\/\/www.cnn.com\/2025\/11\/25\/health\/nurse-education-loans-trump\">controversial move<\/a>, the Department of Education last year decided that certain healthcare studies \u2013 such as nursing, physician assistants and physical therapy \u2013 were not considered professional programs. That means students pursuing these careers would be subject to the lower $20,500 annual loan limit.\n    <\/p>\n<p class=\"paragraph-elevate inline-placeholder vossi-paragraph_elevate\" data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/cmr152uqt0002356rm10mndmk@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\">\n            The move prompted several lawsuits, and a federal judge last week paused the implementation of the lower limits while the cases work their way through the court system.\n    <\/p>\n<p class=\"paragraph-elevate inline-placeholder vossi-paragraph_elevate\" data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/cmr13avys000k356r4edh9zvh@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\">\n            A popular loan parents use to help their undergraduate students, the Parent PLUS loan, will be limited to $20,000 annually and to $65,000 total over the course of a student\u2019s studies. The prior limit for these loans was the \u201ccost of attendance.\u201d The new limits apply to parents of new college students enrolling after July 1.\n    <\/p>\n<p class=\"paragraph-elevate inline-placeholder vossi-paragraph_elevate\" data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/cmr13avys000l356rehn274mg@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\">\n            But parents of currently enrolled students who took out Parent PLUS loans can borrow up to the cost of attendance for those children until they complete their programs or for up to three academic years, whichever comes first.\n    <\/p>\n<p class=\"paragraph-elevate inline-placeholder vossi-paragraph_elevate\" data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/cmr13avys000n356rc5nmhvft@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\">\n            Borrowers who sign up for automatic payments by September 30 will get a one percentage-point break on their interest rates, up from the current .25 percentage-point discount.\n    <\/p>\n<p class=\"paragraph-elevate inline-placeholder vossi-paragraph_elevate\" data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/cmr13avys000o356rwzhj29r6@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\">\n            The reduced rate, which serves as an incentive to get more borrowers to enroll in auto pay, lasts through June 30, 2028.\n    <\/p>\n<p class=\"paragraph-elevate inline-placeholder vossi-paragraph_elevate\" data-uri=\"cms.cnn.com\/_components\/paragraph\/instances\/cmr13avys000p356rw6t3yeyq@published\" data-editable=\"text\" data-component-name=\"paragraph\" data-article-gutter=\"true\">\n            The interest rate inches up to 6.52% for undergraduate loans and to 8.07% for graduate loans on Wednesday. The rate adjusts July 1 every year.\n    <\/p>\n<\/p><\/div>\n<p><a href=\"https:\/\/ubirataonline.com.br\/en\/noticias\/\" target=\"_blank\" rel=\"noopener noreferrer\">Mais Not\u00edcias<\/a><\/p>\n<p><a href=\"https:\/\/ubirataonline.com.br\/en\/\" target=\"_blank\" rel=\"noopener noreferrer\">Home Page &#8211; In\u00edcio<\/a><\/p>\n<p><a href=\"https:\/\/www.cnn.com\/2026\/07\/01\/business\/trump-student-loans\">Source link <\/a><br \/>\nSee more: <a href=\"https:\/\/theglobaltrack.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">The Global Track<\/a><\/p>\n<p><a href=\"https:\/\/corinthiames.com.br\/\" target=\"_blank\" rel=\"noopener noreferrer\">Corinthia Mes<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Attention federal student loan borrowers: Major changes are coming your way, starting Wednesday. That\u2019s when many of the provisions contained in President Donald Trump\u2019s sweeping One Big Beautiful Bill Act take effect. Some borrowers, particularly lower-income folks, will be hit with higher monthly payments. New professional and graduate students will have to contend with stricter [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":149746,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"googlesitekit_rrm_CAow2JLhCw:productID":"","maa_idioma":"","maa_pais":"","footnotes":""},"categories":[40158],"tags":[10467,5578,21300,35501,5374,14472,6885],"class_list":["post-149745","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-world","tag-effect","tag-heres","tag-july","tag-loans","tag-student","tag-sweeping","tag-trumps"],"blocksy_meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Trump\u2019s sweeping changes to student loans take effect July 1. 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