{"id":553,"date":"2026-07-15T09:28:03","date_gmt":"2026-07-15T13:28:03","guid":{"rendered":"https:\/\/cms.web.umflint.edu\/finaid\/?page_id=553"},"modified":"2026-08-04T16:14:33","modified_gmt":"2026-08-04T20:14:33","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-cover fb-cover-text-box wp-duotone-black-and-white\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0;min-height:100%;aspect-ratio:unset;\"><img decoding=\"async\" class=\"wp-block-cover__image-background\" alt=\"\" src=\"https:\/\/www.umflint.edu\/finaid\/wp-content\/themes\/flintblock\/assets\/images\/sidewalk-art.jpg\" style=\"object-position:50% 95%\" data-object-fit=\"cover\" data-object-position=\"50% 95%\"\/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim-90 has-background-dim wp-block-cover__gradient-background has-background-gradient has-blue-gradient-gradient-background\"><\/span><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-container-core-cover-is-layout-15d3db16 wp-block-cover-is-layout-constrained\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--70);padding-right:var(--wp--preset--spacing--70);padding-bottom:var(--wp--preset--spacing--70);padding-left:var(--wp--preset--spacing--70)\">\n<h1 class=\"wp-block-heading has-brand-white-color has-text-color has-link-color has-xx-large-font-size wp-elements-96727113b0b9d7fbcb055c5a3fd3cdd7\">One Big Beautiful Bill Act<\/h1>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--70)\">\n<div 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Aid<\/span><\/a><button data-wp-bind--aria-expanded=\"state.isMenuOpen\" data-wp-on--click=\"actions.toggleMenuOnClick\" aria-label=\"Types of Financial Aid submenu\" class=\"wp-block-navigation__submenu-icon wp-block-navigation-submenu__toggle\" ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" viewBox=\"0 0 12 12\" fill=\"none\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M1.50002 4L6.00002 8L10.5 4\" stroke-width=\"1.5\"><\/path><\/svg><\/button><ul data-wp-on--focus=\"actions.openMenuOnFocus\" class=\"wp-block-navigation__submenu-container wp-block-navigation-submenu\"><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/www.umflint.edu\/finaid\/types-of-aid\/grants\/\"><span class=\"wp-block-navigation-item__label\">Grants<\/span><\/a><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  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href=\"https:\/\/www.umflint.edu\/finaid\/types-of-aid\/scholarships\/swartz-creek-womens-club\/\"><span class=\"wp-block-navigation-item__label\">Swartz Creek Women\u2019s Club<\/span><\/a><\/li><\/ul><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/www.umflint.edu\/finaid\/types-of-aid\/work-study\/\"><span class=\"wp-block-navigation-item__label\">Work-Study<\/span><\/a><\/li><\/ul><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/www.umflint.edu\/finaid\/how-your-aid-is-determined\/\"><span class=\"wp-block-navigation-item__label\">How Your Aid is Determined<\/span><\/a><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/www.umflint.edu\/finaid\/resources\/applying-for-aid\/\"><span class=\"wp-block-navigation-item__label\">Applying for Aid<\/span><\/a><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/www.umflint.edu\/finaid\/accepting-aid\/\"><span class=\"wp-block-navigation-item__label\">Accepting Aid<\/span><\/a><\/li><li data-wp-context=\"{ &quot;submenuOpenedBy&quot;: { &quot;click&quot;: false, &quot;hover&quot;: false, &quot;focus&quot;: false }, &quot;type&quot;: &quot;submenu&quot;, &quot;modal&quot;: null, &quot;previousFocus&quot;: null }\" data-wp-interactive=\"core\/navigation\" data-wp-on--focusout=\"actions.handleMenuFocusout\" data-wp-on--keydown=\"actions.handleMenuKeydown\" data-wp-on--pointerenter=\"actions.openMenuOnHover\" data-wp-on--pointerleave=\"actions.closeMenuOnHover\" data-wp-watch=\"callbacks.initMenu\" tabindex=\"-1\" class=\"wp-block-navigation-item has-child open-on-hover-click wp-block-navigation-submenu\"><a class=\"wp-block-navigation-item__content\" href=\"https:\/\/www.umflint.edu\/finaid\/resources\/\"><span class=\"wp-block-navigation-item__label\">Resources<\/span><\/a><button data-wp-bind--aria-expanded=\"state.isMenuOpen\" data-wp-on--click=\"actions.toggleMenuOnClick\" aria-label=\"Resources submenu\" class=\"wp-block-navigation__submenu-icon wp-block-navigation-submenu__toggle\" ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" viewBox=\"0 0 12 12\" fill=\"none\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M1.50002 4L6.00002 8L10.5 4\" stroke-width=\"1.5\"><\/path><\/svg><\/button><ul data-wp-on--focus=\"actions.openMenuOnFocus\" class=\"wp-block-navigation__submenu-container wp-block-navigation-submenu\"><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/www.umflint.edu\/finaid\/resources\/required-reading\/\"><span class=\"wp-block-navigation-item__label\">Required Reading<\/span><\/a><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/www.umflint.edu\/finaid\/glossary\/\"><span class=\"wp-block-navigation-item__label\">Glossary of Financial Aid Terms<\/span><\/a><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/www.umflint.edu\/finaid\/resources\/sap\/\"><span class=\"wp-block-navigation-item__label\">Satisfactory Academic Progress Policy<\/span><\/a><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/www.umflint.edu\/finaid\/resources\/tutorials\/\"><span class=\"wp-block-navigation-item__label\">Tutorials<\/span><\/a><\/li><\/ul><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/www.umflint.edu\/finaid\/consumer-information\/\"><span class=\"wp-block-navigation-item__label\">Consumer Information<\/span><\/a><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/www.umflint.edu\/finaid\/contact-us\/\"><span class=\"wp-block-navigation-item__label\">Contact Us<\/span><\/a><\/li><\/ul>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/nav><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:75%\">\n\n\n<p class=\"wp-block-paragraph\"><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&nbsp;<a href=\"https:\/\/studentaid.gov\/announcements-events\/big-updates\">Federal Student Aid<\/a>.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Last Updated: July 11, 2026<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-x-large-font-size\">Elimination of the Graduate PLUS Loan program<\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-large-font-size\">Effective July 1, 2026<\/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-x-large-font-size\">Loan Proration for Part-Time Borrowers<\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-large-font-size\">Effective for the 2026-27 academic year<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">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&nbsp;<a href=\"https:\/\/www.umflint.edu\/registrar\/student-resources\/\">Office of the Registrar<\/a>&nbsp;to find enrollment status definitions based on the number of credits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Note: Half-time enrollment is still required for all federal student loans.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-x-large-font-size\">New Federal Student Loan Limits<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For first-time borrowers with an enrollment period that begins on\/after July 1, 2026<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Undergraduate loan limits \u2013 annual and aggregate \u2013 remain the same. More information on loan limits by grade level and dependency status is available&nbsp;<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>Borrower Type<\/th><th>Undergraduate<\/th><th>Graduate&nbsp;Unsubsidized<\/th><th>Parent PLUS<\/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&nbsp;(all levels, including Graduate PLUS)<\/strong><\/td><td>$257,500*<\/td><td>N\/A<\/td><td>N\/A<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">*without regard to any amounts that have been repaid, forgiven, canceled, or otherwise discharged<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Note: The U.S. Department of Education has issued recent guidance that temporarily treats certain programs as professional degree programs for the purpose of federal student loan eligibility. At this time, the University of Michigan-Flint has decided not to move forward with increasing loan eligibility until a final rule has been issued on this matter.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Students who are not eligible for enough aid for any reason may seek private loan options from a lender of their choice. The&nbsp;<a href=\"http:\/\/elmselect.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">ELM Select<\/a>&nbsp;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-x-large-font-size\">Federal Pell Grant Ineligibility Due to Receipt of Non-Federal Assistance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Effective July 1, 2026<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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-x-large-font-size\">Changes to Federal Student Loan Repayment Plans<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Effective July 1, 2026<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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-x-large-font-size\">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-x-large-font-size\">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 class=\"wp-block-paragraph\">Other rules may apply to consolidation loans. More information can be found on&nbsp;<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&nbsp;<a href=\"https:\/\/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 class=\"wp-block-paragraph\"><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<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>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&nbsp;Federal Student Aid. Last Updated: July 11, 2026 Elimination of the Graduate PLUS Loan program Effective [&hellip;]<\/p>\n","protected":false},"author":24,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-553","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.umflint.edu\/finaid\/wp-json\/wp\/v2\/pages\/553","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\/24"}],"replies":[{"embeddable":true,"href":"https:\/\/www.umflint.edu\/finaid\/wp-json\/wp\/v2\/comments?post=553"}],"version-history":[{"count":9,"href":"https:\/\/www.umflint.edu\/finaid\/wp-json\/wp\/v2\/pages\/553\/revisions"}],"predecessor-version":[{"id":1025,"href":"https:\/\/www.umflint.edu\/finaid\/wp-json\/wp\/v2\/pages\/553\/revisions\/1025"}],"wp:attachment":[{"href":"https:\/\/www.umflint.edu\/finaid\/wp-json\/wp\/v2\/media?parent=553"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}