Reimagining and Improving Student Education-Federal Student Loan Program Final Regulations

The U.S. Department of Education has finalized regulations implementing federal student loan changes enacted under the Working Families Tax Cuts Act, signed into law July 4, 2025. Key provisions include new borrowing caps for graduate, professional, and parent borrowers, the gradual elimination of the Graduate PLUS loan program, and the replacement of existing income-contingent repayment options with a new Tiered Standard plan and a fresh income-driven option called the Repayment Assistance Plan. Physical therapy graduate students and DPT program candidates may be affected by the new loan limits and the phaseout of Grad PLUS borrowing.

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