College Loan -

: The plan is designed to shield borrowers from "runaway interest," ensuring that full, on-time payments help reduce the actual principal balance over time.

: 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 college loan

: Borrowers can subtract $50 per month from their calculated payment for each dependent child listed on their tax return. : The plan is designed to shield borrowers

: Starting July 1, 2026, Graduate PLUS loans will no longer be available for new borrowers. New Borrowing Caps : " ensuring that full