Terms of Use

1. About This Site

FAFSA Guide 2026 (fafsaupdates.com) is an independent educational website operated by Moises Lopez. It provides informational content about federal student aid changes introduced by the One Big Beautiful Bill Act (P.L. 119-21, "OBBBA") and related federal student aid rules.

This site is not affiliated with, endorsed by, or authorized by the U.S. Department of Education, Federal Student Aid (FSA), or any federal or state government agency. Official federal student aid information is available at studentaid.gov.

2. Informational Purpose Only

All content on this site — including articles, calculator outputs, FAQ answers, and policy summaries — is provided for general educational and informational purposes only. It does not constitute legal, financial, or professional advice of any kind.

You should not rely solely on the information provided here when making decisions about federal student aid, loan repayment, FAFSA filing, or education financing. Always consult with a qualified financial aid professional, student loan counselor, or attorney for advice specific to your situation, and verify current figures at studentaid.gov.

3. Accuracy and Currency of Information

We make reasonable efforts to ensure that policy values, eligibility thresholds, and regulatory information on this site are accurate and up to date. However, federal student aid rules, loan limits, and program eligibility requirements can change, and implementing regulations may be issued after a law is passed.

We do not warrant that any specific information on this site is complete, accurate, current, or free of errors at any particular time. The policy values displayed are sourced from our internal policy reference file (docs/obbba-policy.json), which is updated periodically. We are not responsible for any errors, omissions, or outdated information, or for any actions taken or not taken based on content from this site.

4. Calculator Outputs

The interactive calculators on this site are estimation tools only. Outputs are based on the inputs you provide and the policy formula logic coded into the tool — they are not official determinations, guarantees, or representations of any amount you will receive or owe.

All calculator computations are performed entirely in your browser. No input data you enter is transmitted to or stored on any server operated by this site. Calculator results should be verified with your school's financial aid office and at studentaid.gov before relying on them for any financial decision.

5. Permitted Use

You may access and use this site for personal, non-commercial educational purposes. You may share links to pages on this site. You may quote brief passages from articles on this site with proper attribution to "FAFSA Guide 2026 (fafsaupdates.com)."

You may not reproduce, republish, or redistribute substantial portions of the articles or other written content on this site without written permission. You may not use this site's content to create competing services, data products, or automated tools that present our content as their own.

6. Third-Party Links

This site links to external websites including studentaid.gov, fsapartners.ed.gov, nasfaa.org, and others. These links are provided as a convenience and do not constitute an endorsement of the linked site's content. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites.

7. Advertising

This site displays advertising through Google AdSense. Google and its partners may use cookies to serve ads based on prior visits to this site and other sites. You can opt out of personalized advertising by visiting Google's ad settings. Advertising revenue helps support the continued operation of this free educational resource.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Moises Lopez and FAFSA Guide 2026 shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, this site or any content it contains — including any inaccurate, incomplete, or outdated policy information.

9. Changes to These Terms

We may update these Terms of Use from time to time. The "Last updated" date at the top of this page indicates when changes were most recently made. Continued use of the site after any changes constitutes your acceptance of the revised terms.

10. Contact

Questions about these terms can be sent through the contact form. Response time is typically 2–3 business days.