We're taking an early look at the new student loan rules released in January 2026 under the One Big Beautiful Bill Act. Find out why borrowers, especially Parent PLUS families, need to pay close attention. We'll explain which degrees are most affected, how professional and graduate programs are changing for loan purposes, how the RAP plan will impact repayment, and whether private lenders can keep up with demand.

Key moments:

(02:18) Why these regulations were rushed and what's coming next

(04:40) Parent PLUS borrowers face confusing deadlines and inconsistent official guidance

(11:57) Who counts as a "professional student" under new loan caps

(17:47) The surprising good news on consolidation and forgiveness credit

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