New Credit Laws and Your Score Impact

These rates are current at least through March 10, 2026, and the NCUA in 2026 will have to figure out the rates after March 10. Importantly, anyone who consolidates their loans into a brand-new Direct Combination Loan that is disbursed on or after July 1, 2026, will be dealt with as a borrower with brand-new loans and limited to just the new RAP and standard plans. Starting July 1, 2026, theGrad PLUS graduate program is eliminated entirelyRemoved and there are new dollar brand-new limits on limitations loans to graduate students.