Student loan overhaul starts July 1: What borrowers should know

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Student loan borrowers will face the biggest overhaul to the federal student loan system in decades, starting July 1. More than 43 million people owe $1.6 trillion in federal student loans, and many are still adjusting to changes that have unfolded since payments resumed following the pandemic-era pause.

Numerous changes were made with the passage of the One Big Beautiful Bill Act in July 2025. Primarily, new borrowing limits are being instituted, repayment options are being narrowed, and Parent PLUS loans must be restructured to ensure certain benefits remain intact.

Read more: A complete timeline of federal student loan changes: Every key date from 2026 to 2028

The latest modifications aren't as drastic as the resumption of repayments from 2023 through 2025. Still, the new borrowing limits and repayment guidelines must be addressed, in some cases with a looming deadline in the next few days.

Here are the eight federal student loan priorities to consider before July 1.

Read more: How to pay off student loans qui

Fuente original: Yahoo Finance (https://finance.yahoo.com/personal-finance/student-loans/article/student-loan-overhaul-starts-july-1-what-borrowers-should-know-150138537.html)