News & rules changelog

Dated, sourced updates on federal student loan rules and what they mean for your plan.

November 5, 2026

2026 repayment rules: where things stand

July 1, 2026: RAP and Tiered Standard launched under P.L. 119-21 §82001.
New loans and consolidations on/after July 1, 2026: RAP or Tiered Standard only.
July 1, 2028: legacy-plan borrowers must move to an available plan. Details.
PSLF continues; RAP payments count. Update.
PSLFCheck: added year-by-year RAP balance chart to the calculator.

Sources

Public Law 119-21 (One Big Beautiful Bill Act), Sec. 82001 — Congress.gov — accessed November 5, 2026
34 CFR 685.209 — Income-driven repayment plans (eCFR) — accessed November 5, 2026
Top FAQs About Income-Driven Repayment Plans — studentaid.gov — accessed November 5, 2026
CRS IF13075: The Repayment Assistance Plan in P.L. 119-21 — Congress.gov — accessed November 5, 2026
Edfinancial (federal servicer, studentaid.gov domain): RAP information — accessed November 5, 2026

Last verified: November 5, 2026

Disclaimer: Not affiliated with the U.S. Department of Education or any loan servicer. Educational information, not financial or legal advice. Results are estimates. Confirm with studentaid.gov or your servicer. Published by PSLFCheck Editorial, AK Digital Marketing LLC.