If you are looking to avoid traditional loans, consider these innovative options: Update on Federal Loan Changes Beginning in 2026
: Starting July 1, 2026, Graduate PLUS loans will no longer be available for new borrowers. New Borrowing Caps : college loan
: For those not using RAP, the Standard Repayment Plan now uses a tiered system based on your total debt: Under $25,000: 10-year term. $25,000–$50,000: 15-year term. $50,000–$100,000: 20-year term. $100,000+: 25-year term. Non-Loan Funding Alternatives If you are looking to avoid traditional loans,