College Loan Access

: Limited to $20,500 per year (lifetime cap of $100,000).

: Limited to $50,000 per year (lifetime cap of $200,000).

If you are looking to avoid traditional loans, consider these innovative options: Update on Federal Loan Changes Beginning in 2026 college loan

: The plan is designed to shield borrowers from "runaway interest," ensuring that full, on-time payments help reduce the actual principal balance over time.

: Starting July 1, 2026, Graduate PLUS loans will no longer be available for new borrowers. New Borrowing Caps : : Limited to $20,500 per year (lifetime cap of $100,000)

: Now capped at $20,000 per year per student with a $65,000 lifetime limit.

: Unlike previous plans that allowed for $0 payments, RAP requires a minimum payment of $10 per month , even for borrowers with no income. : Starting July 1, 2026, Graduate PLUS loans

: Monthly payments are set at 1% to 10% of your annual adjusted gross income.