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These rates are current at least through March 10, 2026, and the NCUA in 2026 will have to figure out the rates after March 10. Importantly, anybody who combines their loans into a brand-new Direct Consolidation Loan that is paid out on or after July 1, 2026, will be treated as a customer with brand-new loans and limited to just the new RAP and standard plans. Beginning July 1, 2026, theGrad PLUS graduate program is eliminated entirelyGotten rid of completely there are new dollar amount limits on limitations loans to graduate studentsFinish