New Federal Student Loan Limits in 2026, What Families Need to Know

Описание: Federal student loan rules are changing in 2026, and the impact on families could be significant. In this webinar, we explain the major changes to federal borrowing, including new limits on Parent PLUS loans, the elimination of Grad PLUS loans, and how these policy updates may affect college affordability.

If you work with students or are planning for college yourself, understanding these changes early can help you prepare for potential funding gaps and make informed decisions about college financing.

Key takeaways

• Parent PLUS loans will be capped at $20,000 per year starting July 1, 2026
• The lifetime Parent PLUS borrowing limit will be $65,000 per student
• Grad PLUS loans will be eliminated for new borrowers
• Graduate students will face new federal borrowing caps depending on program type
• Students already enrolled in college may qualify for legacy borrowing protections
• Transferring schools or leaving a program may impact eligibility for legacy loan terms
• Families may need to rely more on private student loans to cover college costs

Juno helps students and families get better student loan rates through group negotiation. The more members that join, the stronger the collective bargaining power with lenders.

Explore your options and join the Juno community:
https://joinjuno.com/?utm_source=yout...

#studentloans #parentplusloan #collegecosts #financialaid #studentdebt

00:00 Introduction to 2026 Federal Loan Changes
01:19 Speaker Background in Admissions and Financial Aid
03:33 Financial Advice Disclaimer
05:11 Major Federal Student Loan Changes
07:04 Legacy Exception for Current Borrowers
08:19 New Limits on Parent PLUS Loans
09:37 Rules to Keep Legacy Borrowing Status
11:06 How Parent PLUS Loans Work
14:29 New Parent Borrowing Caps in 2026
16:42 College Funding Gaps, Example Breakdown
19:05 Why Many Families Still Do Not Know About These Changes
20:44 Can Students Change Majors Without Losing Aid Status
22:31 What Happens if a Student Transfers Colleges
24:45 How Withdrawal Can Affect Legacy Loan Status
26:24 What the New Borrowing Restrictions Mean for Families
30:21 New Repayment Plans for Graduate Students
32:37 How These Changes Affect College Planning
37:02 How Juno Helps Families Borrow Smarter
39:11 Why Family Awareness Matters Right Now
40:39 Are Colleges and Financial Aid Offices Preparing Families
41:51 Expanding Private Loan Eligibility
43:31 Final Takeaways and Contact Info