Student Loans 2026: What Changed and What to Do Now

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Debbie Schwartz of Road2College sits down with Jeff Bentley, Chris Corrado, and Gina Rigby of the College Bound Citizens team for a plain-English walkthrough of federal and private student loans in the new borrowing environment. Covers the new Parent PLUS caps ($20,000 annual, $65,000 lifetime), the end of unlimited Grad PLUS borrowing, how to compare private lenders, cosigner release, what to do when a loan is approved but the money has not reached the school, and refinancing Parent PLUS loans. Presented in partnership with Citizens.


0:00 Federal vs private loans: the basics

5:58 How to compare private lenders

17:00 Federal loans and the new Parent PLUS caps

23:21 Annual applications and multi-year approval

34:47 Where to research, and returning a loan you don’t need

44:18 How much to borrow and when to apply

53:19 Grad PLUS is gone: building student credit now

1:08:48 Q&A: refinancing, retirement funds, and disbursement delays
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