Federal loan caps by classification
- Drives the caps and 'gap after federal loans' math on every school page.
Neutral summary of 91 FR 23768. Verify details at StudentAid.gov — we don't give financial advice.
What changed · Jul 1, 2026
- Two repayment plans replace the old menu for new loans: Tiered Standard (fixed, 10–25 yrs) and RAP (1–10% of income).
- Grad PLUS ended and new annual, aggregate, and lifetime caps apply to graduate borrowing.
- Part-time enrollment now prorates your annual federal loan limit.
Estimate payments ↗Neutral summary of 91 FR 23768. Verify details at StudentAid.gov — we don't give financial advice.