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. However, there is a legacy provision in place for past federal student borrowers.

How do I determine if I am eligible for the legacy provision? Requirements for the legacy provision:

1. Must have been actively enrolled at Huston-Tillotson University prior to July 1, 2026. This means a student would have needed to be enrolled in Spring 2026 or Summer 2026, and that the last semester of enrollment can not have been a total withdrawal.

2. Must be in the same program of study today as they were on July 1, 2026. For Parent PLUS eligibility, this means staying within the same credential (program) level. For Graduate PLUS eligibility, this means staying in a program within the same 4-digit CIP code. (more details below)

3. Must have had a federal educational loan (any type) disbursed prior to July 1, 2026, for the 2025-2026 aid year, for the same program they are still actively enrolled in.

Legacy Provision Rule

Graduate PLUS

If a student-borrower had a Federal Direct Loan disburse before July 1, 2026, and remains enrolled in the same program of study that they were enrolled in as of July 1, 2026, the student-borrower can continue to borrow Graduate PLUS Loans from the program (up to their cost of attendance) for 3 academic years or the remainder of their expected time to credential, whichever is less.

Parent PLUS

If the dependent student had a Federal Direct Loan disburse before July 1, 2026, while he or she is enrolled in a program of study OR if the parent-borrower had a Parent PLUS Loan disburse before July 1, 2026, while their dependent students is enrolled in a program of study, the parent-borrower can continue to borrow under current loan limits (up to their dependent student’s cost of attendance) for 3 academic years or the remainder of their dependent student’s expected time to credential, whichever is less.