Guides for the
OBBBA era.
Everything LoanAmerica® has written about federal aid changes, vocational and trade financing, graduate programs, and how the private student lending market is being rebuilt around the OBBBA.
Perspectives
All articlesPaying for College
The Smartest Question Isn't “Where Should I Go to College?” It's “How Do I Pay for It Without Paying for It Twice?”
The school you choose and the debt you take on are not two separate decisions. They are the same one, and most families give the second about ninety seconds.
Dr. Maurice Salter
Federal Policy
Parent PLUS and Grad PLUS Loan Caps Are Creating Funding Gaps for Students and Leaving Borrowers Over 50 With $450 Billion in Debt
The new PLUS limits leave students scrambling for financing while borrowers over 50 still carry more than $450 billion. The system spends far more originating loans than helping anyone resolve them.
Dr. Maurice Salter
Endowments and Governance
The Illiquidity Illusion
University boards need to face endowment risk before the next downturn.
Dr. Maurice Salter
Borrower Protection
Stay Ahead of the Curve
Debt follows students out of every kind of program, and cosigners carry it too. The protections that exist are real, overlooked, and changing.
Dr. Maurice Salter and William Harrison
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OBBBA and Federal Aid Changes
What the One Big Beautiful Bill Act changed about federal student lending as of July 2026.
Trade School and Vocational Programs
Financing pathways for vocational, trade, and certificate programs.
Graduate and Professional
Funding medical, law, and graduate programs after the elimination of Grad PLUS.
How Loans Work
Foundational guides on private student lending, repayment, and the application process.
For Schools
How financial aid offices partner with LoanAmerica®.
THE FULL LIBRARY
All 29 articles.
Paying for School
Federal Aid Changes
- Grad PLUS Ended July 1. You May Still Be Eligible. Here Is How to Check.
- Grad PLUS Loans Are Ending July 1. Here Is What Graduate Students Need to Know Now.
- Parent PLUS Loans Are Being Capped at $20,000 Per Year. What That Means for Families.
- What Is the One Big Beautiful Bill Act and How Does It Change Student Loan Borrowing?
- Federal Student Aid Is Changing on July 1. Here Is a Complete Timeline for Borrowers and Families.
- The Federal Student Loan System Is Being Rebuilt in Real Time. Here Is What Schools and Families Must Understand Before July.
- Forbearance & Forgiveness: What Counts, What Doesn't, and What to Do Now
- The OBBBA and Student Loans: Everything You Need to Know Now That It Is in Effect
Borrowing Basics
Loan Basics
- How Much Can You Borrow in Federal Student Loans in 2026?
- What Credit Score Do You Need for a Private Student Loan?
- Do You Need a Co-Signer for a Private Student Loan?
- What Is the Difference Between Federal and Private Student Loans?
- What Happens to Your Student Loans If Your School Closes?
- How Student Loan Interest Accrues and What Borrowers Can Do About It