Business & Tax · EN
US Student Loan Guide
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The US Student Loan Guide 2026-27 is a factual, 32-page overview of federal student loans, repayment plans, and forgiveness programs under the One Big Beautiful Bill Act (OBBBA, Public Law 119-21) and the two major 2026 court decisions that reshaped the system, with its legal content current as of September 10, 2026.
The guide opens by laying out the legal framework itself: the Higher Education Act of 1965 as the foundational statute, the OBBBA's core provisions on loan limits and repayment that took effect July 1, 2026, and the Bipartisan Student Loan Certainty Act of 2013, which supplies the interest rate formula still used for the 2026-27 award year. From there it walks through loan amounts and eligibility as they stand from July 2026, the interest rates that actually apply for 2026-27, and a full chapter on repayment plans, including the new RAP plan, the Standard Plan, and what borrowers coming off the SAVE plan need to know after its vacatur. A dedicated chapter covers Public Service Loan Forgiveness and the Pell Grant program in light of the 2026 court decisions, followed by a chapter on default, enforcement, and the concrete path out of default.
Two ready-to-use letters are included: one for selecting a repayment plan after the SAVE plan vacatur, addressed directly to a loan servicer, and one requesting loan rehabilitation to exit default. The guide closes with a frequently-asked-questions section, a glossary of federal loan terminology, and a sources list, so every claim in the earlier chapters can be traced back to its origin.
Built for recent graduates, current students, and parents who need to understand where federal loan policy actually stands after 2026's legal upheaval, not a generic explainer written before the rules changed. Instant PDF download after purchase, in English. Because federal student loan rules move quickly, this edition is dated so readers always know exactly which legal snapshot they are reading.
Kapitel 1 rekonstruiert die zwei Gerichtsentscheidungen, die 2026 die Rechtslage neu geordnet haben, mit konkreten Daten: am 30. Juni 2026 erklärte Richterin Myong J. Joun die geplante PSLF-Schlussregel, die Arbeitgebern mit einem unzulässigen Zweck die Anerkennung entzogen hätte, für rechtswidrig, ultra vires und verfassungswidrig – Stunden bevor sie in Kraft treten sollte. Am 10. März 2026 hob das Bundesgericht für den Eastern District of Missouri die SAVE-Plan-Regel vollständig auf, nachdem zuvor rund 7 Millionen Kreditnehmer in einer zinsfreien SAVE-Nachsichtstellung gelandet waren. Betroffene SAVE-Teilnehmer erhalten zwischen dem 1. Juli und 15. August 2026 eine schriftliche Benachrichtigung und haben danach 90 Tage Zeit, einen neuen Rückzahlungsplan zu wählen; wer vor dem 1. Juli 2026 erstmals ein Darlehen aufgenommen hat, kann IBR oder ICR noch bis zum 30. Juni 2028 nutzen, bevor eine automatische Übertragung in das neue RAP-Programm erfolgt.
The guide opens by laying out the legal framework itself: the Higher Education Act of 1965 as the foundational statute, the OBBBA's core provisions on loan limits and repayment that took effect July 1, 2026, and the Bipartisan Student Loan Certainty Act of 2013, which supplies the interest rate formula still used for the 2026-27 award year. From there it walks through loan amounts and eligibility as they stand from July 2026, the interest rates that actually apply for 2026-27, and a full chapter on repayment plans, including the new RAP plan, the Standard Plan, and what borrowers coming off the SAVE plan need to know after its vacatur. A dedicated chapter covers Public Service Loan Forgiveness and the Pell Grant program in light of the 2026 court decisions, followed by a chapter on default, enforcement, and the concrete path out of default.
Two ready-to-use letters are included: one for selecting a repayment plan after the SAVE plan vacatur, addressed directly to a loan servicer, and one requesting loan rehabilitation to exit default. The guide closes with a frequently-asked-questions section, a glossary of federal loan terminology, and a sources list, so every claim in the earlier chapters can be traced back to its origin.
Built for recent graduates, current students, and parents who need to understand where federal loan policy actually stands after 2026's legal upheaval, not a generic explainer written before the rules changed. Instant PDF download after purchase, in English. Because federal student loan rules move quickly, this edition is dated so readers always know exactly which legal snapshot they are reading.
Kapitel 1 rekonstruiert die zwei Gerichtsentscheidungen, die 2026 die Rechtslage neu geordnet haben, mit konkreten Daten: am 30. Juni 2026 erklärte Richterin Myong J. Joun die geplante PSLF-Schlussregel, die Arbeitgebern mit einem unzulässigen Zweck die Anerkennung entzogen hätte, für rechtswidrig, ultra vires und verfassungswidrig – Stunden bevor sie in Kraft treten sollte. Am 10. März 2026 hob das Bundesgericht für den Eastern District of Missouri die SAVE-Plan-Regel vollständig auf, nachdem zuvor rund 7 Millionen Kreditnehmer in einer zinsfreien SAVE-Nachsichtstellung gelandet waren. Betroffene SAVE-Teilnehmer erhalten zwischen dem 1. Juli und 15. August 2026 eine schriftliche Benachrichtigung und haben danach 90 Tage Zeit, einen neuen Rückzahlungsplan zu wählen; wer vor dem 1. Juli 2026 erstmals ein Darlehen aufgenommen hat, kann IBR oder ICR noch bis zum 30. Juni 2028 nutzen, bevor eine automatische Übertragung in das neue RAP-Programm erfolgt.
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