{"id":1534,"date":"2026-02-20T08:12:18","date_gmt":"2026-02-20T13:12:18","guid":{"rendered":"https:\/\/www.umflint.edu\/finaid\/?page_id=1534"},"modified":"2026-04-27T11:11:10","modified_gmt":"2026-04-27T15:11:10","slug":"obbba","status":"publish","type":"page","link":"https:\/\/www.umflint.edu\/finaid\/obbba\/","title":{"rendered":"One Big Beautiful Bill Act"},"content":{"rendered":"\n<div class=\"wp-block-umflint-templates umflint-template-default_no_jumbotron\">\n<div class=\"wp-block-cover\" style=\"margin-bottom:var(--wp--preset--spacing--40);min-height:50px;aspect-ratio:unset;\"><img decoding=\"async\" class=\"wp-block-cover__image-background wp-image-371\" alt=\"\" src=\"https:\/\/www-s3.umflint.edu\/wp\/blogs.dir\/61\/files\/2025\/03\/Blue.UCEN_.jpg\" data-object-fit=\"cover\"\/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-primary-background-color has-background-dim-90 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-block-cover-is-layout-constrained\"><div class=\"wp-bootstrap-blocks-container container mb-2\">\n\t\n\n<h1 class=\"wp-block-heading has-secondary-color has-text-color has-link-color wp-elements-7ad394e04377e964a4d029cff6d14464\" style=\"padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);font-size:clamp(31.152px, 1.947rem + ((1vw - 3.2px) * 1.863), 55px);font-style:normal;font-weight:600;text-transform:uppercase\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-secondary-color\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-secondary-color\">One Big Beautiful Bill Act<\/mark><\/mark><\/h1>\n\n<\/div>\n<\/div><\/div>\n\n\n<div class=\"wp-bootstrap-blocks-container container mb-2\">\n\t\n<div class=\"wp-bootstrap-blocks-row row\">\n\t\n\n<div class=\"col-12 col-md-3\">\n\t\t\t\n<button class=\"btn btn-section w-100 px-0 wp-menu-block-toggle 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id=\"menu-item-1383\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1383 nav-item\"><a title=\"Glossary of Financial Aid Terms\" href=\"https:\/\/www.umflint.edu\/finaid\/glossary\/\" class=\"nav-link\">Glossary of Financial Aid Terms<\/a><\/li>\n<li itemscope=\"itemscope\" itemtype=\"https:\/\/www.schema.org\/SiteNavigationElement\" id=\"menu-item-406\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-406 nav-item\"><a title=\"Tutorials\" href=\"https:\/\/www.umflint.edu\/finaid\/tutorials\/\" class=\"nav-link\">Tutorials<\/a><\/li>\n<li itemscope=\"itemscope\" itemtype=\"https:\/\/www.schema.org\/SiteNavigationElement\" id=\"menu-item-214\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-214 nav-item\"><a title=\"Consumer Information\" href=\"https:\/\/www.umflint.edu\/finaid\/consumer-information\/\" class=\"nav-link\">Consumer Information<\/a><\/li>\n<li itemscope=\"itemscope\" itemtype=\"https:\/\/www.schema.org\/SiteNavigationElement\" id=\"menu-item-70\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-70 nav-item\"><a title=\"Contact Us\" href=\"https:\/\/www.umflint.edu\/finaid\/contact-us\/\" class=\"nav-link\">Contact Us<\/a><\/li>\n<\/ul><\/nav>\n\t<\/div>\n\n\n\n<div class=\"col-12 col-md-9\">\n\t\t\t\n<nav aria-label=\"breadcrumb\"><ol class=\"breadcrumb mb-3\"><li class=\"breadcrumb-item\"><a href=\"\/\">Home<\/a><\/li><li class=\"breadcrumb-item\"><a href=\"https:\/\/www.umflint.edu\/finaid\">Office of Financial Aid<\/a><\/li><li class=\"breadcrumb-item active\" aria-current=\"page\">One Big Beautiful Bill Act<\/li><\/ol><\/nav>\n\n\n<p><strong>On July 4, 2025, the One Big Beautiful Bill Act was signed into law, resulting in significant changes to federal student aid programs. An overview of the changes and their effective dates is provided below. Further details are available from <a href=\"https:\/\/studentaid.gov\/announcements-events\/big-updates\">Federal Student Aid<\/a>.<\/strong><\/p>\n\n\n\n<p><em>Last Updated: April 27, 2026<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-82193f5899e118df84207483df1b15e0\">Elimination of the Graduate PLUS Loan program<\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color has-medium-font-size wp-elements-f5a2785518abeb9781fc4e2014d21c2b\"><strong>Effective July 1, 2026<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>New borrowers will no longer be eligible for the Graduate PLUS Loan.<\/li>\n\n\n\n<li>Graduate students who have borrowed a Federal Unsubsidized Loan and\/or a Graduate PLUS Loan for their current academic program before July 1 will still be able to apply for new Graduate PLUS Loans for up to three additional years or until graduation\u2014whichever comes first.&nbsp;<\/li>\n\n\n\n<li>Students who have borrowed a Federal Unsubsidized Loan and\/or a Graduate PLUS Loan but start a new program after July 1 will not be eligible for the PLUS loan in their new program.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-9fdb8661a48d9a4b29f392f63d8e04f7\">Loan Proration for Part-Time Borrowers<\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color has-medium-font-size wp-elements-e7f6551c9df321410339ac945d71550d\"><strong>Effective for the 2026-27 academic year<\/strong><\/h3>\n\n\n\n<p>Federal student loan amounts must be prorated based on the number of credits a student attends. If a student does not attend full-time, they are not eligible for the full annual loan limit. Loan amounts will be prorated in direct proportion to the percent of full-time state the student is enrolled in (i.e., if a student attends half-time, they can only receive half of the annual loan amount). Please visit the <a href=\"https:\/\/www.umflint.edu\/registrar\/student-resources\/\">Office of the Registrar<\/a> to find enrollment status definitions based on the number of credits.<\/p>\n\n\n\n<p>Note: Half-time enrollment is still required for all federal student loans.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-cb3290e0ab367c906768c2feaa8c73b2\">New Federal Student Loan Limits<\/h2>\n\n\n\n<p><strong>For first-time borrowers with an enrollment period that begins on\/after July 1, 2026<\/strong><\/p>\n\n\n\n<p>Undergraduate loan limits &#8211; annual and aggregate &#8211; remain the same. More information on loan limits by grade level and dependency status is available <a href=\"https:\/\/studentaid.gov\/understand-aid\/types\/loans\/subsidized-unsubsidized#how-much\" target=\"_blank\" rel=\"noreferrer noopener\">Loan Amount Limits<\/a>.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Borrower Type<\/strong><\/th><th><strong>Undergraduate<\/strong><\/th><th><strong>Graduate&nbsp;Unsubsidized<\/strong><\/th><th><strong>Parent PLUS<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Annual Limit<\/strong><\/td><td>$5,500-$12,500<\/td><td>$20,500<\/td><td>$20,000<\/td><\/tr><tr><td><strong>Aggregate Limit<\/strong><\/td><td>$31,000-$57,500<\/td><td>$100,000(excluding UG loans)<\/td><td>$65,000*<\/td><\/tr><tr><td><strong>Lifetime Limit\u00a0<strong>(all levels, including Graduate PLUS)<\/strong><\/strong><\/td><td colspan=\"3\">$257,500*<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>*without regard to any amounts that have been repaid, forgiven, canceled, or otherwise discharged<\/p>\n\n\n\n<p>Note: Professional student loan limits are not included in the table above; UM-Flint does not have any professional programs as defined by the US Department of Education.<\/p>\n\n\n\n<p>Students who are not eligible for enough aid for any reason may seek private loan options from a lender of their choice. The <a href=\"http:\/\/elmselect.com\" target=\"_blank\" rel=\"noreferrer noopener\">ELM Select<\/a> tool provides information on lenders used by students at the University of Michigan-Flint over the past three years. We encourage students to apply for scholarships as well.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-cdd3cd91ede76777d35ecc77d405f3af\">Federal Pell Grant Ineligibility Due to Receipt of Non-Federal Assistance<\/h2>\n\n\n\n<h2 class=\"wp-block-heading has-primary-color has-text-color has-link-color has-medium-font-size wp-elements-2bc22d33e8681d67c44cf661a851eb2d\"><strong>Effective July 1, 2026<\/strong><\/h2>\n\n\n\n<p>Students whose entire cost of attendance is covered by grants or scholarships from non-federal sources may be ineligible for a Pell Grant, even if they are otherwise eligible for the program. The eligibility will be determined by the timing of disbursement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-7c6e4f2e547ac1eb430dbdbcb16f00d9\">Changes to Federal Student Loan Repayment Plans<\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-primary-color has-text-color has-link-color has-medium-font-size wp-elements-f5a2785518abeb9781fc4e2014d21c2b\"><strong>Effective July 1, 2026<\/strong><\/h3>\n\n\n\n<p>Borrowers with new loans made on\/after July 1, 2026, can be repaid only using the two new plans below, and all loans must be on the same plan. Current borrowers with no new loans may continue in an existing plan or switch to one of the new plans.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-ec464932b5c2f4da82aa4e84827e5711\">Standard Repayment Plan<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fixed repayment terms of 10, 15, 20, or 25 years, based on the amount borrowed<\/li>\n\n\n\n<li>Borrowers with new loans will be assigned accordingly if another plan is not selected<\/li>\n\n\n\n<li>This plan is required for new Parent PLUS loans<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-bd776715a8478fff4f7709096202adde\">Repayment Assistance Plan<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Monthly payment will be 1-10% of income based on adjusted gross income<\/li>\n\n\n\n<li>Minimum monthly payment is $10<\/li>\n<\/ul>\n\n\n\n<p>Other rules may apply to consolidation loans. More information can be found on <a href=\"https:\/\/studentaid.gov\/manage-loans\/repayment\" target=\"_blank\" rel=\"noreferrer noopener\">Student Loan Repayment<\/a>. All borrowers are encouraged to find their federal student loan servicer by logging in at <a href=\"http:\/\/studentaid.gov\" target=\"_blank\" rel=\"noreferrer noopener\">Federal Student Aid<\/a>. The servicer will handle billing and work with borrowers to determine their repayment options.<\/p>\n\n\n\n<p><em>Note: This information is subject to change as final rules have not yet been determined. Updates will be made as additional guidance becomes available from the U.S. Department of Education.<\/em><\/p>\n\n\t<\/div>\n\n<\/div>\n\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p> [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/www.umflint.edu\/finaid\/obbba\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":38,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1534","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.umflint.edu\/finaid\/wp-json\/wp\/v2\/pages\/1534","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.umflint.edu\/finaid\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.umflint.edu\/finaid\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.umflint.edu\/finaid\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/www.umflint.edu\/finaid\/wp-json\/wp\/v2\/comments?post=1534"}],"version-history":[{"count":7,"href":"https:\/\/www.umflint.edu\/finaid\/wp-json\/wp\/v2\/pages\/1534\/revisions"}],"predecessor-version":[{"id":1561,"href":"https:\/\/www.umflint.edu\/finaid\/wp-json\/wp\/v2\/pages\/1534\/revisions\/1561"}],"wp:attachment":[{"href":"https:\/\/www.umflint.edu\/finaid\/wp-json\/wp\/v2\/media?parent=1534"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}