As of July 1, 2026, new undergraduate borrowers can only borrow $20,000 per year with a total borrowing limit of $65,000 for the entire undergraduate program, which is less than the $80,000 that would be borrowed at $20,000 per year over four years.
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PLUS Loan Cap Shock_ The Math Doesn’t Add UpAdded:
That has changed with the big beautiful bill, and now there is a cap on the federal plus loan where new borrowers, that is as of July 1st, 2026, if you are a new borrower for an undergraduate student, you can only borrow $20,000 per year or, and this is a the more interesting thing to me, $65,000 total for that student. Right. Right.
>> doing the math there, 20,000 * 4 is 80,000, not 65,000.
>> my point.
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