The One Big Beautiful Bill Act (OB3) was signed into law on July 4, 2025, by President Donald J. Trump. It brings changes to higher education, including updates to federal student loan eligibility and repayment. Some changes took effect right away, while others will begin on July 1, 2026. There are no changes to federal student aid for the Fall 2025 and Spring 2026 terms.
On this page you will find:
The One Big Beautiful Bill Act (OB3) was signed into law on July 4, 2025 by President Donald J. Trump. It brings changes to higher education, including updates to federal student loan eligibility and repayment. Some changes took effect right away, while others will begin on July 1, 2026. There are no changes to federal student aid for the Fall 2025 and Spring 2026 terms.
Student Financial Services is committed to supporting students and families as they navigate these updates. We will continue to share information as new guidance is released by the U.S. Department of Education.
Notice: The information on this page is still evolving and reflects the most current guidance available at this time. Details may change as federal rules are finalized. The university will update this page as new information becomes available. Students and families are encouraged to check studentaid.gov for updates.
Dependent Student
earned credits | subsidized loan per semester | unsubsidized loan per semester | subsidized loan for the year | unsubsidized loan for the year | total loan amount |
|---|---|---|---|---|---|
Freshman (0-29) | $1,750.00 | $1,000.00 | $3,500.00 | $2,000.00 | $5,500.00 |
Sophomore (30+) | $2,250.00 | $1,000.00 | $4,500.00 | $2,000.00 | $6,500.00 |
Junior/Senior (60+) | $2,750.00 | $1,000.00 | $5,500.00 | $2,000.00 | $7,500.00 |
Subsidized Aggregate | Unsubsidized Aggregate | Total Aggregate |
|---|---|---|
$23,000.000 | $8,000.000 | $31,0000.00 |
Independent Student
earned credits | subsidized loan per semester | unsubsidized loan per semester | subsidized loan for the year | unsubsidized loan for the year | total loan amount |
|---|---|---|---|---|---|
Freshman (0-29) | $1,750.00 | $3,000.00 | $3,500.00 | $6,000.00 | $9,500.00 |
Sophomore (30+) | $2,250.00 | $3,000.00 | $4,500.00 | $6,000.00 | $10,500.00 |
Junior/Senior (60+) | $2,750.00 | $3,500.00 | $5,500.00 | $7,000.00 | $12,500.00 |
Subsidized Aggregate | Unsubsidized Aggregate | Total Aggregate |
|---|---|---|
$23,000.000 | $34,500.000 | $57,500.000 |
Graduate Student
Type | unsubsidized loan per semester | unsubsidized loan for the year | Total Aggregate |
|---|---|---|---|
Graduate | $10,250.00 | $20,500.00 | $100,000.00 |
Parent PLUS Loan
Type | plus for for the semester | plus loan for the year | Total Aggregate |
|---|---|---|---|
Parent Plus | $10,000.000 | $20,000.000 | $65,000.00 |
Revised: May 4, 2026
York College / CUNY
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Jamaica, NY 11451
P: 718-262-2000
