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These rates are existing at least through March 10, 2026, and the NCUA in 2026 will have to figure out the rates after March 10. Significantly, anybody who consolidates their loans into a new Direct Debt consolidation Loan that is paid out on or after July 1, 2026, will be dealt with as a borrower with brand-new loans and limited to just the brand-new RAP and standard plans. Beginning July 1, 2026, theGrad PLUS loan program is eliminated entirelyRemoved totally there are new dollar brand-new limits on other loans to graduate studentsFinish