[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-0-en-105":3,"doc-seo-328129-105":59,"doc-detail-328129-en":131},{"code":4,"msg":5,"data":6},0,"success",[7,13,18,23,28,33,38,43,48,51,55],{"id":8,"doc_module":4,"doc_module_name":9,"category_name":10,"show_sort_weight":11,"slug":12},1,"Document","Story & Novel",90,"story-novel",{"id":14,"doc_module":4,"doc_module_name":9,"category_name":15,"show_sort_weight":16,"slug":17},2,"Literature",80,"literature",{"id":19,"doc_module":4,"doc_module_name":9,"category_name":20,"show_sort_weight":21,"slug":22},4,"Exam",70,"exam",{"id":24,"doc_module":4,"doc_module_name":9,"category_name":25,"show_sort_weight":26,"slug":27},5,"Comic",60,"comic",{"id":29,"doc_module":4,"doc_module_name":9,"category_name":30,"show_sort_weight":31,"slug":32},6,"Technology",50,"technology",{"id":34,"doc_module":4,"doc_module_name":9,"category_name":35,"show_sort_weight":36,"slug":37},7,"Healthcare",40,"healthcare",{"id":39,"doc_module":4,"doc_module_name":9,"category_name":40,"show_sort_weight":41,"slug":42},8,"Research & Report",30,"research-report",{"id":44,"doc_module":4,"doc_module_name":9,"category_name":45,"show_sort_weight":46,"slug":47},9,"Religion & Spirituality",20,"religion-spirituality",{"id":46,"doc_module":4,"doc_module_name":9,"category_name":49,"show_sort_weight":46,"slug":50},"World Cup","world-cup",{"id":52,"doc_module":4,"doc_module_name":9,"category_name":53,"show_sort_weight":52,"slug":54},10,"Lifestyle","lifestyle",{"id":56,"doc_module":4,"doc_module_name":9,"category_name":57,"show_sort_weight":24,"slug":58},19,"General","general",{"code":4,"msg":60,"data":61},"ok",{"site_id":62,"language":63,"slug":64,"title":65,"keywords":66,"description":67,"schema_data":68,"social_meta":124,"head_meta":126,"extra_data":128,"updated_unix":130},105,"en","reimagining-and-improving-student-education-federal-student-loan-program-final-regulations","Reimagining and Improving Student Education - Federal Student Loan Program Final Regulations","","Final regulations from the U.S. Department of Education amend federal rules governing Title IV student loan programs authorized under the Higher Education Act. Implementing statutory changes in Public Law 119-21, they set new loan limits for graduate students, professional students, and parents, and phase out the Graduate PLUS program. The rule restructures repayment by phasing out Income-Contingent Repayment plans, introducing a Tiered Standard option, and creating the Repayment Assistance Plan, while also providing a second default rehabilitation opportunity.",{"@graph":69,"@context":123},[70,84,106],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":40,"@type":76,"position":81},"https://docshare.wps.com/document/research-report/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/reimagining-and-improving-student-education-federal-student-loan-program-final-regulations/328129/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/reimagining-and-improving-student-education-federal-student-loan-program-final-regulations/328129.png","ImageObject",300,407,{"name":92,"@type":93},"Ivy","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-11-04","2026-09-21",true,{"@type":102,"interactionType":103,"userInteractionCount":105},"InteractionCounter",{"@type":104},"ViewAction",14,{"@type":107,"mainEntity":108},"FAQPage",[109,115,119],{"name":110,"@type":111,"acceptedAnswer":112},"What do the final regulations change for federal student loan programs?","Question",{"text":113,"@type":114},"They amend regulations for Title IV federal student loan programs under the Higher Education Act, including changes to loan limits, eligibility, and repayment structures.","Answer",{"name":116,"@type":111,"acceptedAnswer":117},"How do the regulations affect repayment plans?",{"text":118,"@type":114},"They phase out Income-Contingent Repayment (ICR) plans, create a new Tiered Standard repayment plan option, and establish a Repayment Assistance Plan.",{"name":120,"@type":111,"acceptedAnswer":121},"Do the regulations change opportunities for borrowers in default?",{"text":122,"@type":114},"Yes. Borrowers in default who previously rehabilitated a defaulted loan are given a second chance to rehabilitate their loans and resume repayment.","https://schema.org",{"og:url":83,"og:type":125,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":127,"canonical":83},"index,follow",{"doc_id":129,"site_id":62},328129,1790197786,{"code":4,"msg":5,"data":132},{"doc_id":129,"user_id":133,"nickname":92,"user_avatar":134,"doc_module":4,"category_id":39,"category_name":40,"doc_title":65,"doc_description":67,"doc_content":135,"file_id":136,"file_url":137,"file_type":138,"file_size":139,"view_count":105,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":140,"language":141,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":142,"faqs":143,"seo_title":144,"seo_description":67,"update_tm":145,"read_time":146,"preview_page_count":4},549758252649,"https://ap-avatar.wpscdn.com/avatar/8000253669c5317157?_k=1778319167496531819","4000  \nThis document is scheduled to be published in the Federal Register on 2026-05-01 and available online at [https://www.federalregister.gov/d/2026-08556](https://www.federalregister.gov/d/2026-08556), and on  \n[https://govinfo.gov](https://govinfo.gov)  \nDEPARTMENT OF EDUCATION  \n34 CFR Parts 674, 682, and 685  \n[Docket ID ED-2025-OPE-0944]  \nRIN 1840-AD98  \nReimagining and Improving Student Education -Federal Student Loan Program Final Regulations  \nAGENCY: Office of Postsecondary Education, Department of Education .  \nACTION: Final rule .  \nSUMMARY: The Secretary amends the regulations for the Federal student loan programs authorized under title IV of the Higher Education Act (HEA) of 1965, as amended (the title IV, HEA programs) to implement the statutory changes to the title IV, HEA programs included in Public Law 119- 21, the Working Families Tax Cuts Act signed into law by President Trump on July 4, 2025. The Department previously referred to the Working Families Tax Cuts Act as the “One Big Beautiful Bill Act,” including in the Notice of Proposed Rulemaking published on January 30, 2026. These changes include establishing new loan limits for graduate students, professional students, and parents, and phasing out the Graduate PLUS (Grad PLUS) Program . The Working Families Tax Cuts Act also simplifies the current broken and confusing myriad of Federal student loan repayment plans by phasing out the existing Income-Contingent Repayment (ICR) plans, creating a new Tiered Standard repayment plan option, and establishing a new income-driven repayment plan known as the Repayment Assistance Plan . The Working Families Tax Cuts Act also enables borrowers in default who have previously rehabilitated a defaulted loan a second chance to rehabilitate their loan(s) and resume repayment .  \nDATES: This final rule is effective on July 1, 2026.  \nFOR FURTHER INFORMATION CONTACT: Tamy Abernathy, Office of Postsecondary Education, 400 Maryland Ave . , SW, 5th Floor,  \nWashington, DC 20202. Telephone: (202) 245-4595 . Email: [Tamy.Abernathy@ed.gov](Tamy.Abernathy@ed.gov) .  \nIf you are deaf, hard of hearing, or have a speech disability and wish to access telecommunications relay services, please dial 7-1-1 .  \nA brief summary of these final regulations is available at [www.regulations.gov/docket/ED-2025-OPE-0944](www.regulations.gov/docket/ED-2025-OPE-0944) .  \nSUPPLEMENTARY INFORMATION:  \nTable of Contents  \nI . Abbreviations  \nII . Executive Summary  \n1. Summary of Major Provisions  \n2. Summary of Costs and Benefits  \nIII . Purpose of this Regulatory Action  \nIV . Background  \nV . Authority for the Regulatory Action  \nVI . Analysis of Public Comment and Changes  \n1. Process for Out-of-Scope Comments  \n2. Public Comment Period  \nVII . Regulatory Analyses  \n1. Regulatory Planning and Review including Regulatory Impact Analysis  \na . Need for Regulatory Action  \nb . Summary of Comments and Changes From the NPRM  \nc . Discussion of Costs, Benefits, and Transfers  \nd . Accounting Statement  \ne . Alternatives Considered  \n2. Regulatory Flexibility Act  \n3. Paperwork Reduction Act of 1995  \n4. Congressional Review Act Intergovernmental Review Assessment of Education Impact  \nFederalism  \nI . Abbreviations  \nAPA: Administrative Procedure Act  \nCFR: Code of Federal Regulations  \nCIP Code: Classification of Instructional Programs Code  \nDL: Federal Direct Loans  \nE .O . : Executive Order  \nFFEL: Federal Family Education Loan Program  \nFSA: Federal Student Aid  \nGrad PLUS: Direct PLUS Loan made to graduate or professional students  \nHEA: Higher Education Act of 1965, as amended  \nIBR: Income-Based Repayment  \nICR Plan: Income-Contingent Repayment plan  \nNPRM: Notice of Proposed Rulemaking  \nOIRA: Office of Information and Regulatory Affairs  \nPRA: Paperwork Reduction Act of 1995  \nPAYE: Pay As You Earn plan  \nPDF: Portable Document Format  \nParent PLUS: Direct PLUS Loan made to parents of dependent undergraduate students  \nPSLF: Public Service","cbCaircjWxDPg2gj","https://ap.wps.com/l/cbCaircjWxDPg2gj","pdf",1936990,647,"English","# Table of Contents\n## Executive Summary\n## Summary of Major Provisions","[{\"question\":\"What do the final regulations change for federal student loan programs?\",\"answer\":\"They amend regulations for Title IV federal student loan programs under the Higher Education Act, including changes to loan limits, eligibility, and repayment structures.\"},{\"question\":\"How do the regulations affect repayment plans?\",\"answer\":\"They phase out Income-Contingent Repayment (ICR) plans, create a new Tiered Standard repayment plan option, and establish a Repayment Assistance Plan.\"},{\"question\":\"Do the regulations change opportunities for borrowers in default?\",\"answer\":\"Yes. Borrowers in default who previously rehabilitated a defaulted loan are given a second chance to rehabilitate their loans and resume repayment.\"}]","Reimagining and Improving Student Education - Federal Student Loan Program Final Regulations | PDF",1789978705,1630]