Federal Loan Limits Impact Calculator
The One Big Beautiful Bill Act changes federal borrowing limits for students and parents starting July 1, 2026. See how those changes affect your funding plan before you commit.
Parent PLUS now capped
Grad PLUS eliminated for grad borrowers
New lifetime cap: $257.5K
See your before-and-after borrowing picture
We'll show how much federal borrowing you keep, how much private borrowing you may need, and which year your federal caps start to bite.
Source: One Big Beautiful Bill Act (H.R. 1, signed July 2025). Federal loan limits effective July 1, 2026. This calculator provides estimates only and does not constitute financial advice. Last updated: May 8, 2026.