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2026 Student Loan Overhaul: New Repayment Plans and Borrowing Limits

2026 Student Loan Overhaul: New Repayment Plans and Borrowing Limits

Author:

Global Cryptocurrency

Published:

2026-01-23 14:09:02

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BTCCSquare news:

The 'One Big, Beautiful Bill' will reshape student debt starting July 2026, introducing income-based repayment adjustments and stricter borrowing caps. Freshmen entering college that fall face reduced federal loan access—potentially driving families toward private lenders or alternative financing.

Key changes include the Repayment Assistance Plan (RAP), which ties monthly payments to discretionary income. Meanwhile, revived tax liabilities on forgiven loans and tightened Public Service Loan Forgiveness rules may force borrowers to recalibrate long-term financial strategies.

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