College Loan -

: Limited to $50,000 per year (lifetime cap of $200,000).

The most significant "interesting" feature appearing in 2026 is the , a streamlined federal income-driven option that officially replaces older, more complex plans like SAVE and PAYE for new borrowers starting July 1, 2026 . Key Features of the New "RAP" Plan college loan

: For those not using RAP, the Standard Repayment Plan now uses a tiered system based on your total debt: Under $25,000: 10-year term. $25,000–$50,000: 15-year term. $50,000–$100,000: 20-year term. $100,000+: 25-year term. Non-Loan Funding Alternatives : Limited to $50,000 per year (lifetime cap of $200,000)

: Borrowers can subtract $50 per month from their calculated payment for each dependent child listed on their tax return. : Limited to $50

: Limited to $20,500 per year (lifetime cap of $100,000).