OBBBA 2026 — In-Depth Guides
Plain-English breakdowns of the One Big Beautiful Bill Act changes, written by Moises Lopez. Every figure sourced from official FSA guidance and P.L. 119-21.
Your Parent PLUS Loan Strategy After OBBBA 2026
The $20,000 annual cap changes every borrowing decision parents face. Learn how the new limits work, who qualifies for legacy protections, and how to bridge the gap.
Read article →RAP vs. SAVE vs. IBR: A Plain-English Repayment Comparison
The Repayment Assistance Plan replaces SAVE, IBR, and PAYE for new borrowers. Here is exactly how the marginal bracket formula works and who benefits most.
Read article →Who Qualifies for the New Workforce Pell Grant?
For the first time, bachelor's degree holders can receive federal Pell Grant funds. Here is the exact eligibility checklist, program length rules, and field requirements.
Read article →FAFSA Legacy Borrower Status: The Complete 2026 Guide
Legacy borrower status is the most consequential determination OBBBA makes. Understand exactly what qualifies you, what voids it, and how the 3-year window works.
Read article →Graduate Student Loans After OBBBA: What You Can Still Borrow
Graduate PLUS loans are eliminated for new borrowers. This guide maps out the remaining federal options, the new aggregate limits, and strategies for covering the gap.
Read article →All articles are written by Moises Lopez, an independent researcher. Content is sourced from FSA Dear Colleague Letters, NASFAA guidance, and the statutory text of P.L. 119-21. FAFSA Guide 2026 is not affiliated with the U.S. Department of Education. Verify current aid information at studentaid.gov.