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Offices/Financial aid/Types of aid/One Big Beautiful Bill Act: Federal Loan Repayment Changes

One Big Beautiful Bill Act: Federal Loan Repayment Changes

Important Disclaimer

  • Northeastern State University does not have the ability to grant exceptions to federal regulations, including those concerning enrollment, Legacy provisions, or federal loan eligibility.
  • This information is based on the current understanding as they relate to federal student financial aid and can be subject to change with little notice. We will continue to update this page as additional guidance is received from the U.S. Department of Education.

The One Big Beautiful Bill Act (H.R.1) was signed into law by President Trump on July 4, 2025. For students, families, and institutions like Northeastern State University, this bill results in significant changes to the federal aid (Title IV) programs. Some of those changes impact the repayment options available for undergraduate, graduate, and professional students.

 

We encourage any borrower who is currently in repayment of their federal loans to contact their loan servicer and discuss how these changes may impact their situation. This website provides a high-level overview, and there may be other details a current borrower in repayment will want to consider before deciding on how to proceed.

Current Repayment Plans (before July 1st, 2026)

  • Fixed-Term Plans:
  • Standard Repayment
  • Graduated Repayment
  • Extended Repayment
  • Income Sensitive Repayment
  • Income-Driven Plans (IDR):
    • Replaced Revised Pay As You Earn (REPAYE)
  • Income-Based Repayment (IBR)
  • Pay As You Earn (PAYE)
  • Saving on a Valuable Education (SAVE)
  • Income-Contingent Repayment (ICR)
  • IBR borrowers may remain in their plan
  • All other non-Parent PLUS IDR borrowers must choose a new plan by July 1, 2028, or be moved to RAP
  • Parent PLUS loan borrowers will be moved to the new Standard Plan after July 1st, 2028, unless they consolidate and enroll in an IDR before July 1, 2026. Doing so means they can remain in IBR for the duration of the repayment period.

 

Changes Effective July 1st, 2026

First Loan Borrowed on or after July 1st, 2026

  • New Standard Repayment Plan:
    • 10 years: balances <$25,000
    • 15 years: balances between $25,000–$49,999
    • 20 years: balances between $50,000–$99,999
    • 25 years: balances $100,000+
  • Four Fixed-Terms:
  • Only 10-year plans qualify for Public Service Loan Forgiveness (PSLF). Note: PSLF requires at least 10 years of repayment.

Student borrowers who do not select a plan will be placed into the Standard Plan.
  • New Income-Based Repayment Assistance Plan (RAP):
  • Monthly payment: 1%–10% of Adjusted Gross Income (AGI)
  • $10 minimum payment
  • $50 deduction per dependent
  • 30-year repayment term; forgiveness after 30 years
  • No negative amortization (balances won't grow when payments don't cover interest)
  • Payments count toward PSLF

Borrowers' AGI

Monthly Payment

Less than $10,000

$10/month

$10,000 - $19,999

1% of monthly AGI

$20,000 - $29,999

2% of monthly AGI

$30,000 - $39,999

3% of monthly AGI

$40,000 - $49,999

4% of monthly AGI

$50,000 - $59,999

5% of monthly AGI

$60,000 - $69,999

6% of monthly AGI

$70,000 - $79,999

7% of monthly AGI

$80,000 - $89,999

8% of monthly AGI

$90,000 - $99,999

9% of monthly AGI

$100,000+

10% of monthly AGI

 

 

Other Federal updates: