How Federal Student Loans Actually Get Made Starting July 1, 2026
The Borrowing Sequence Your Clients Don’t Know About Yet There is no “50% cap” on federal student borrowing under the One Big Beautiful Bill Act. The phrase appears in financial press summaries and advisor cheat sheets because at some cost-of-attendance levels the math works out that way, but the actual policy is not a percentage […]
The Parent PLUS Cliff: The June 2028 Deadline That Still Matters
The June 30, 2026 consolidation deadline has passed. If a Parent PLUS borrower did not have a Direct Consolidation Loan disbursed on or before that date, income-driven repayment is now closed to them permanently. There is no recovery path and no appeal. If they did consolidate in time, they have exactly one deadline left, and […]