The student loan changes to know before Big Beautiful Bill changes kick in July 1
Effective July 1, 2026, the One Big Beautiful Bill Act will overhaul federal student loan repayment and borrowing rules. Existing borrowers will see simplified repayment options, with the Repayment Assistance Plan and Tiered Standard Repayment Plan introduced and legacy plans like SAVE terminated. New borrowers will face tighter borrowing limits and the discontinuation of most Grad PLUS loans.
- ▪The new Repayment Assistance Plan bases payments on adjusted gross income and dependents, while the Tiered Standard Repayment Plan sets fixed payments based on loan balance.
- ▪Borrowers currently in the SAVE plan must select a new repayment option within 90 days or be moved to a standard plan.
- ▪Pay As You Earn and Income-Contingent Repayment plans will be phased out by June 30, 2028, though IBR remains available for many existing borrowers.
- ▪Graduate students and Parent PLUS borrowers will encounter reduced borrowing limits, and most new Grad PLUS loans will no longer be offered.
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| Publication time | Tue, 23 Jun 2026 17:15:00 -0400 |
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Business The student loan changes to know before Big Beautiful Bill changes kick in July 1 By Will Kenton Published June 23, 2026, 5:15 p.m. ET New York Post photo composite See more of our coverage in your search results. Add The New York Post on Google New York Post may be compensated and/or receive an affiliate commission if you click or buy through our links. Featured pricing is subject to change. Big Beautiful Bill student loans are about to go into effect, so borrowers better buckle up. Starting July 1, 2026, Federal student loan borrowers are about to enter a new era of repayment and borrowing rules. One that will have major consequences for both people who are already paying off loans, as well as families planning to borrow for the fall 2026 semester.
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