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About upcoming student loan changes
Federal student loan rules are changing as a result of the One Big Beautiful Bill Act (OBBBA), signed into law on July 4, 2025. While many of these changes will take effect July 1, 2026, the U.S. Department of Education has not yet released full implementation guidance. Goodwin University is closely monitoring updates and will revise the OBBBA page as more details become available.
Below is what we know as of February 2026:
How part-time enrollment may affect your loans
Starting July 1, 2026, federal student loans will be prorated based on the number of credits you take, rather than simply whether you are enrolled full-time or part-time.
- If you enroll in fewer than the full-time credit minimum, your loan amount may be reduced.
- Full-time minimums are:
- 9 credits for graduate and professional programs
- 12 credits for undergraduate programs
If you are planning to enroll part-time, this change could affect how much you are eligible to borrow.
What does this mean for me?
These changes take effect starting next semester. It is vital that you meet with your Academic Advisor as soon as possible to discuss how these changes may impact your student loan availability and what your options may be to address it.
