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Student loan update: Full list of rule changes coming in July

The US student debt repayment system is undergoing an overhaul based on federal regulations from the One Big Beautiful Bill Act. Major changes taking effect July 1, 2026, include the launch of the RAP program and the end of Grad PLUS. Borrowers may face different interest rates and tighter rules for Public Service Loan Forgiveness.

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What changed

New federal regulations tied to the One Big Beautiful Bill Act introduce a system overhaul and the launch of RAP on July 1.

Live updates

  1. US Student Loan Repayment System Overhaul Effective July 1

    The US student debt repayment system is undergoing an overhaul based on federal regulations from the One Big Beautiful Bill Act. Major changes taking effect July 1, 2026, include the launch of the RAP program and the end of Grad PLUS. Borrowers may face different interest rates and tighter rules for Public Service Loan Forgiveness.

    What's confirmed:

    • The student loan repayment system overhaul is tied to the One Big Beautiful Bill Act.
    • The RAP program launches on July 1, 2026.
    • Public Service Loan Forgiveness employer rules are tightening on July 1, 2026.
    • Grad PLUS ends on July 1, 2026.
    • The Trump administration is cutting student loan interest for those who qualify.
    • Borrowers can receive a 1% interest rate discount for AutoPay enrollment.
    • Rates on new student loans will rise on July 1.

    Still unconfirmed:

    • SAVE borrowers must switch plans.
    • Parent PLUS consolidation closes on July 1, 2026.
    • A court has halted loan caps on some graduate degrees.
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