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These rates are existing at least through March 10, 2026, and the NCUA in 2026 will have to determine the rates after March 10. Importantly, anyone who combines their loans into a brand-new Direct Debt consolidation Loan that is paid out on or after July 1, 2026, will be dealt with as a customer with brand-new loans and limited to just the new RAP and basic plans. Beginning July 1, 2026, theGrad PLUS loan program is eliminated entirelyGotten rid of completely there are new dollar brand-new limits quantity limitations loans to graduate students.