President Donald Trump’s signature One Big Beautiful Bill Act, passed by Congress last year, made the most expansive changes to federal student loan borrowing and repayment in decades.
Borrowers who have already taken out loans and do not plan to consolidate them will be grandfathered into some legacy repayment plans, experts say.
But new borrowers and people with existing loans who consolidate them or take out additional loans will be subject to the new rules.
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