Upcoming Changes

This page will communicate any upcoming changes to the Federal Pell Grant processing and Federal Student Loan limits due to the One Big Beautiful Bill Act (OB3 or OBBBA), signed into law on July 4, 2025.

Below is a list of the upcoming changes along with the date these changes become effective and any legacy provisions that may apply.

In this Section

Students who receive grants or scholarships from non-federal sources covering their entire cost of attendance (COA) are ineligible to receive a Pell Grant, even if otherwise eligible for the program.

Eliminated as of July 1, 2026, impacts the 2026-2027 aid year and beyond.

Legacy Provision: If a borrower has a Federal Direct Loan made before July 1, 2026, while enrolled in a program of study, the borrower can continue to borrow from the program for 3 academic years or the remainder of their expected time to graduate, whichever is less.

Effective July 1, 2026, impacts the 2026-2027 aid year and beyond

All parents (combined) may borrow $20,000 per year per dependent student and a $65,000 aggregate limit per dependent student (without regard to amounts forgiven, repaid, canceled, or discharged).

Legacy Provision: If the student or parent borrower has a Federal Direct Loan made before July 1, 2026, while the dependent student is enrolled in a program of study, the parent can continue to borrow under current loan limits for 3 academic years or the remainder of their dependent student’s expected time to credential, whichever is less.

 

*Oregon Tech does not currently have “professional” level programs.*

 

Effective July 1, 2026, impacts the 2026-2027 aid year and beyond

$257,500 lifetime borrowing limit on all federal student loans, excluding borrowed Parent PLUS loan amounts (in the case of a dependent student who had Parent PLUS borrowed on their behalf for education expenses).

Legacy Provision: If a borrower has a Federal Direct Loan made before July 1, 2026, while enrolled in a credentialed program, the borrower can continue to borrow under current loan limits for 3 academic years or the remainder of their expected time to credential, whichever is less.

Effective for loans made for the 2026-27 award year.

Requires institutions to prorate annual loan amounts in direct proportion to the percent of full-time status the student is enrolled.