Navigating the
OBBBA

Yes. If you are already enrolled at SGU and receiving federal student loans, the new borrowing limits generally will not affect you. In most cases, you can continue receiving the same federal loan amounts for the remainder of your MD or DVM program.

Yes. If you receive federal student loans by June 30, 2026, you may continue borrowing under the current federal loan programs for all four years of medical or veterinary medical school.

Yes, for most current and near-term students. Grad PLUS loans are being phased out over time, but students who receive loans by June 30, 2026 can typically continue using Grad PLUS through graduation if they complete the program on the usual timeline.

SGU has partnered with private lenders and is developing additional options to help cover costs beyond federal limits. We’ll guide you through these options so you’re never left guessing.

If you take out new loans after July 1, 2026, repayment options will include a standard fixed-payment plan and a new Repayment Assistance Plan (RAP). The final details are still being defined, and we’ll keep you updated as guidance becomes clearer.

You can continue using existing repayment options. Once finalized, you may also choose to opt into the new RAP plan if it makes sense for you.

Yes. The final version of the One Big Beautiful Bill Act does not change PSLF. If you pursue qualifying public service work, PSLF remains an option.

You’ll fall under the new federal borrowing limits: $50,000 per year and $200,000 total for medical or veterinary medical school. Undergraduate loans count toward your overall federal total, but the medical or veterinary school cap remains unchanged.

No. Federal borrowing limits are set by law and don’t increase if you repay principal balances early.