How the Big Beautiful Bill Changes College Student Loans

If you or your child plans to borrow federal student loans for college in the future, things are about to change in a big way. The new law, often referred to as the Big Beautiful Bill, introduces some of the most significant changes to student loans in decades.

These new rules mostly apply to loans starting on or after July 1, 2026, so current students may still have time under the old system. But families with younger students need to prepare now.