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These rates are current at least through March 10, 2026, and the NCUA in 2026 will have to identify the rates after March 10. Importantly, anyone who combines their loans into a new Direct Consolidation Loan that is disbursed on or after July 1, 2026, will be treated as a borrower with brand-new loans and limited to just the new RAP and standard plans. Beginning July 1, 2026, theGrad PLUS graduate program is eliminated entirelyRemoved and there are new dollar amount limits quantity other loans to graduate studentsFinish