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Graduate PLUS Loans Confirmed Included In Federal Borrowing Cap Starting July 2026

Reddit r/StudentLoans·u/phatjeans·6 months ago
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Do not know if you guys are aware or not but pretty relevant to anyone committing to schools right now.

They recently clarified that GradPlus loans do in fact count toward the aggregate lifetime limit which will dramatically influence your borrowing capacity.

So any programs selling being 'grandfathered' in and are longer than 3 years... there may be a gap in funds year four if you reach your borrowing limit by year 3.