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These rates are present at least through March 10, 2026, and the NCUA in 2026 will have to identify the rates after March 10. Notably, anyone who consolidates their loans into a brand-new Direct Consolidation Loan that is paid out on or after July 1, 2026, will be treated as a debtor with new loans and limited to just the brand-new RAP and standard strategies. Beginning July 1, 2026, theGrad PLUS graduate program is eliminated entirelyGotten rid of and there are new dollar brand-new limits quantity other loans to graduate studentsFinish