Huston-Tillotson University

One Big Beautiful Bill Act

The One Big Beautiful Bill Act (OBBBA) was signed into law on July 4, 2025, and includes significant changes to the federal student loan programs, most of which become effective on July 1, 2026. We are detailing the most relevant changes below. Please note that we are awaiting more guidance from the U.S. Department of Education (ED) regarding some of these changes, and we will keep this web page up-to-date as new information is provided.

Fed. Direct PLUS Loan & the Legacy Provision

As of July 1, 2026, the Federal Direct Graduate PLUS Loan program is eliminated, and the Federal Direct Parent PLUS Loan program will be subject to annual and aggregate borrowing limits.

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Federal Student Loan Schedule of Reduction

Not Attending a Full Academic Year Under the OBBBA, students who do not attend Huston-Tillotson University for the entire academic year (fall and spring) may have their maximum annual loan limit reduced.

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Annual and Aggregate Loan Limits

Loan limits for Graduate, Doctoral, and Professional students only apply to new student loan borrowers on or after July 1, 2026.

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Time to Credential

A student’s time to credential is the published program length of their program minus the number of required semesters (fall and spring) that have passed since the student began the program.

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