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These rates are current at least through March 10, 2026, and the NCUA in 2026 will have to identify the rates after March 10. Significantly, anybody who consolidates their loans into a brand-new Direct Combination Loan that is paid out on or after July 1, 2026, will be dealt with as a borrower with new loans and limited to only the new RAP and basic strategies. Beginning July 1, 2026, theGrad PLUS graduate program is eliminated entirely, and there are new dollar brand-new limits on limitations loans to graduate students.
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