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These rates are current at least through March 10, 2026, and the NCUA in 2026 will have to figure out the rates after March 10. Notably, anyone who consolidates their loans into a new Direct Combination Loan that is disbursed on or after July 1, 2026, will be treated as a debtor with brand-new loans and restricted to only the brand-new RAP and standard plans. Starting July 1, 2026, theGrad PLUS graduate program is eliminated entirely, totally there are new dollar amount limits on other loans to graduate students.
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