How to Find Local Credit Counseling in 2026

These rates are current at least through March 10, 2026, and the NCUA in 2026 will have to figure out the rates after March 10. Significantly, anybody who consolidates their loans into a brand-new Direct Combination Loan that is disbursed on or after July 1, 2026, will be treated as a borrower with new loans and limited to only the new RAP and standard plans. Beginning July 1, 2026, theGrad PLUS graduate program is eliminated entirelyRemoved and there are new dollar amount limits quantity limitations loans to graduate students.