Important Disclaimer: FAFSA Updates is a private, independent website and is not affiliated with, endorsed by, or authorized by the U.S. Department of Education or any other government agency. We provide educational information regarding the One Big Beautiful Bill Act (OBBBA) and FAFSA updates for informational purposes only. Official federal student aid information can be found at studentaid.gov.
About This Site

About This OBBBA Resource

An independent reference hub for students, parents, and financial aid professionals navigating the federal student aid changes introduced by the One Big Beautiful Bill Act (P.L. 119-21).

What This Site Does

FAFSA Updates translates the legislative text and FSA guidance of the One Big Beautiful Bill Act into plain-English explanations and interactive calculators. Every figure is checked against official Federal Student Aid sources (how the numbers are checked).

The site covers the primary OBBBA provisions effective July 1, 2026: Parent PLUS loan caps, Graduate PLUS loan elimination, the $257,500 lifetime loan maximum, the new Repayment Assistance Plan (RAP), Workforce Pell Grants for short-term job training, and the legacy borrower (interim exception) rules. It also covers related changes that aren't OBBBA provisions, such as the end of the SAVE plan and each year's FAFSA deadlines.

Interactive Calculators

RAP vs. Legacy IDR Comparator

Side-by-side monthly payment and lifetime cost comparison across RAP, IBR, PAYE, and ICR using the OBBBA AGI-based RAP formula and 2026 poverty guidelines.

FAFSA Legacy Borrower Status Checker

Step-by-step questionnaire that estimates whether a student (and a parent borrowing for them) likely still qualifies for the interim exception to the new loan caps. The school makes the final determination.

Federal Pell Grant Eligibility Calculator

Estimates the 2026-27 full-time Pell Grant from the Student Aid Index (SAI), with an example table.

Parent PLUS Loan Gap Calculator

Quantifies the annual funding gap when the OBBBA $20,000/yr cap falls short of Cost of Attendance.

Workforce Pell Grant Screener

Checks whether a short-term career program meets the OBBBA Workforce Pell length, approval, and student eligibility rules.

All calculators are client-side only. No data you enter is transmitted to any server.

Operator

Moises Lopez

Educator · 10+ years LAUSD & nonprofit · Independent FAFSA Researcher

My name is Moises Lopez. I spent over a decade as an educator — teaching and working in student support roles across Los Angeles Unified School District and several nonprofits serving underrepresented youth. During that time, I watched students and families struggle every year with the FAFSA: missing deadlines they didn't know existed, misreading aid letters, leaving money on the table. Federal student aid shapes a lot of young people's choices about college, and it is rarely explained in plain language.

I built this site in response to the One Big Beautiful Bill Act (OBBBA), which made major changes to federal student aid. The new Parent PLUS caps, Repayment Assistance Plan, Workforce Pell track, and legacy borrower rules affect a lot of families — and when the law passed, I couldn't find plain-English explanations that covered them. I read the statutory text of P.L. 119-21, the FSA Dear Colleague Letters, and the NASFAA guidance directly, and built this resource so that the people I used to teach — and their parents — could actually understand what changed and what it means for them.

This site is an independent personal project and is not affiliated with, endorsed by, or sponsored by the U.S. Department of Education, Federal Student Aid (FSA), LAUSD, or any government agency. It is not a law firm, financial advisory service, or official aid counseling resource.

Contact

If you have questions about the data used on this site or want to suggest an update, use the contact form.

How the Numbers Are Checked

Every figure on this site (loan caps, Pell amounts, interest rates, deadlines) is kept in one reference list that feeds every article and calculator, so a corrected number changes everywhere at once. Each entry is checked against the statute and official government sources, chiefly Federal Student Aid's Dear Colleague Letters, Electronic Announcements, and studentaid.gov.

When guidance changes, the affected articles show an "Updated" date and the change is logged on the Updates page, including corrections. Sources:

↗ studentaid.gov — Interim exception (legacy borrower) definitions, updated Aug 24, 2026 ↗ U.S. Department of Education — Next steps for borrowers enrolled in the SAVE Plan ↗ FSA Electronic Announcement — Professional degree program list under court order, Jun 29, 2026 (updated Jul 10) ↗ FSA Dear Colleague Letter — 2026–27 Pell Grant maximum and minimum awards, Jan 30, 2026 ↗ FSA Handbook 2026–27 — Student Aid Index (SAI) and Pell Grant eligibility ↗ FSA Electronic Announcement — 2026–27 Direct Loan interest rates, Jun 4, 2026 ↗ HHS ASPE — Federal poverty guidelines ↗ Federal Register — ED final rule, "Reimagining and Improving Student Education," May 1, 2026 (loan limits, interim exception, RAP) ↗ Federal Register — ED final rule, "Accountability in Higher Education and Access Through Demand-Driven Workforce Pell," May 19, 2026 (Workforce Pell) ↗ FSA Dear Colleague Letter GEN-26-02 — school-set program loan limits (June 26, 2026) ↗ studentaid.gov — Parent PLUS Loans ↗ studentaid.gov — Income-Driven Repayment Plans ↗ studentaid.gov — IDR Plan Court Actions (SAVE) ↗ FSA Handbook 2026–27 — Application and Verification Guide, Ch. 2 (FAFSA questions, excluded assets, dependency) ↗ FSA Handbook 2026–27 — Application and Verification Guide, Ch. 5 (professional judgment, dependency overrides) ↗ FSA Handbook 2026–27 — Vol. 5 (withdrawals, leaves of absence, Return of Title IV Funds) ↗ FSA Dear Colleague Letter GEN-25-04 — Jul 18, 2025 ↗ FSA Electronic Announcement APP-26-02 — OBBBA FAFSA processing updates, Mar 9, 2026 (updated Apr 23) ↗ IRS Publication 15-B (2026) — Educational assistance

Always verify current Federal Direct Loan limits and repayment plan options at studentaid.gov before making financial decisions.

Policy data last updated: September 26, 2026. Site legislation reference: P.L. 119-21 (H.R. 1), signed July 4, 2025.