11/21/2025
Starting July 1, 2026, as part of provisions in the One Big Beautiful Bill Act (OBBBA), the U.S. Department of Education (ED) could begin making significant changes to federal student loan limits. Under these guidelines, non-doctorate counseling programs are considered graduate programs, and therefore capping student borrowing power to $20,500 a year in federal student loans.
ED is required to consider public comments—generally open for at least a 30-day period—before issuing a final rule. ACA will submit formal comments to the Department of Education during the comment period and will be engaging with federal legislators to address this alarming policy shift.
We strongly encourage counselors to advocate for the reversal of these provisions by also submitting comments to the Department of Education once the comment period opens.
Act now: https://bit.ly/3KdfSzn