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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. Notably, anyone who consolidates their loans into a new Direct Combination Loan that is paid out on or after July 1, 2026, will be dealt with as a debtor with new loans and limited to just the new RAP and basic strategies. Starting July 1, 2026, theGrad PLUS graduate program is eliminated entirelyGotten rid of completely there are new dollar amount limits quantity other loans to graduate students.