Practical guides on federal aid changes, trade school financing, and private student loans, written for borrowers, not bureaucrats.
The federal government is eliminating Grad PLUS loans for new borrowers on July 1, 2026. Graduate students have a narrow window to understand their options before the change takes effect.
Starting July 1, 2026, Parent PLUS loans are capped at $20,000 per year and $65,000 lifetime. For families at four-year institutions, this is a significant financing gap.
The OBBBA is the most significant restructuring of federal student aid in a generation. Here is what changed, what stayed the same, and what it means for borrowers.
From the SAVE plan collapse to the OBBBA taking effect, federal student aid has been in near-constant flux. This timeline covers what happened, when, and what comes next.
Federal aid for vocational programs is limited, and not all trade schools are eligible for Title IV funds. Here is the complete guide to financing a trade or vocational program.
The short answer is: it depends on the school. Here is exactly how federal loan eligibility works for vocational and trade program students.
The skilled trades are among the most in-demand and AI-resistant careers available. Here is how students in these programs finance their training.
Traditional student loan underwriting relies heavily on credit scores. Cash flow underwriting looks at something more revealing: how you actually manage your money.
The elimination of Grad PLUS hits nursing graduate students directly. Here is a financing guide for LPN, RN, BSN, MSN, and DNP students in the post-OBBBA environment.
Grad PLUS is gone for new borrowers. Graduate students who relied on it to cover costs above the Unsubsidized cap need a new financing strategy before the fall semester.
Becoming a commercial pilot requires significant training investment. Here is the complete guide to flight school financing, from private pilot certificate to ATP.
Federal and private student loans are fundamentally different products. Understanding the distinction is essential before borrowing for any program.
School closures do happen. Here is what borrowers need to know about their federal loan options, discharge eligibility, and how private loans are handled differently.
Interest capitalization is one of the least understood mechanics in student lending, and one of the most financially significant. Here is exactly how it works.
Two independent forces are converging this summer. One cuts off federal graduate borrowing for new students. The other moves defaulted federal loans out of the Department of Education entirely. The combined effect is the largest structural shift in postsecondary finance since the 1992 Higher Education Act amendments. Most institutions are not positioned for it.
Not all forbearance counts toward loan forgiveness. Learn which deferment and forbearance types qualify, how PSLF Buyback works, and how to protect your repayment progress.
The One Big Beautiful Bill Act eliminates Grad PLUS loans and caps Parent PLUS at $20K per year. Here is what it means for students, parents, and schools, and what to do before July 1.
LoanAmerica is not a lender and does not make credit decisions. All loans will be underwritten, approved, and funded by a participating lending partner bank. Loan products are not yet available. Information on this site is for general informational purposes only and does not constitute an offer to lend, a solicitation, or a commitment to provide financing. When available, loans will be subject to credit approval, school eligibility, enrollment verification, and program qualification. The 72-hour funding window is a target timeline, is not guaranteed, and may vary. This content does not constitute legal, financial, or tax advice. For information about existing federal student loans, contact your servicer or visit studentaid.gov.