Overview
Borrowers currently repaying federal student loans or in forbearance may experience changes to repayment options over the next several years.
Repayment Structure Updates
The OBBBA introduces:
- A new Repayment Assistance Plan (RAP)
- A revised standard repayment structure
Several existing repayment plans are expected to be phased out by July 1, 2028.
Important Reminder
Borrowers should continue monitoring updates from:
- The U.S. Department of Education at StudentAid.gov
- Their federal loan servicer
Additional implementation guidance is expected in the coming years.
Disclaimer
Information provided on this page reflects current understanding of federal legislation and guidance available as of June 2026. Federal regulations, implementation timelines, and Department of Education guidance remain subject to change. Students and families are encouraged to regularly review official updates from the U.S. Department of Education at StudentAid.gov. Students and families planning for the 2026–2027 academic year should review borrowing needs early, especially graduate students, and families who may have relied on PLUS Loans.
More information will be shared as federal guidance becomes available.
