Major Federal Student Loan Changes Are Here

Is Your CSLP Program Access Up To Date?

The student loan landscape has shifted dramatically with the signing of the OBBB Act on July 4, 2025, creating the most significant changes to federal student loans in years.

Critical Updates Include:

• Forced collections on defaulted loans resumed (though Social Security offsets were quickly reversed)
• Interest began accruing on SAVE plan loans starting August 1, 2025
• Partial financial hardship requirement eliminated for Income-Based Repayment (IBR)

Game-Changing Deadlines Approaching:

• July 1, 2026: The pivotal date when borrowing ANY new loan permanently limits repayment options
• July 1, 2028: SAVE, Pay As You Earn, and Income Contingent Repayment plans will be eliminated entirely

Revolutionary Changes Coming:

• New Repayment Assistance Plan (RAP) with 1-10% of the full adjusted gross income calculations
• Graduate PLUS loans will be eliminated starting July 2026
• 30-year forgiveness timeline under RAP
• $10 minimum monthly payment requirement
• Severely limited options for Parent PLUS borrowers
• Tax-free loan forgiveness expires December 31, 2025

⚠️ URGENT: Update Your CSLP Program Access

Visit the CSLP Advisor Directory and Check Your Profile

With rapid regulatory changes and new negotiated rulemaking committees forming, staying current on these complex developments is critical for your practice. Some advisors have expired CSLP credentials and are missing crucial updates.

To learn more and ensure you receive immediate notifications about these ongoing changes, check your credentials at Accredible. Use the email address associated with your original course enrollment.

Don’t let expired credentials leave you and your clients unprepared for the most significant student loan changes in decades. Access the latest presentation in your learning portal by maintaining an active CSLP credential.

For support and answers to all questions about the CSLP Program, access the CSLP Knowledge Base here.