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We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free – so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
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As the Biden administration waits to make a final decision on federal student loans, Republicans have proposed a new bill that would reform key aspects of the federal student loan system but also block any possibility of mass debt cancellation. Here’s what to know about this week’s student loan trends and how they may affect you.
On Aug. 3, House Republicans introduced the Responsible Education Assistance through Loan (REAL) Reforms Act, which would reform key aspects of the current student loan system. Notably, the bill would eliminate certain existing student loan forgiveness programs and expand Pell Grant access.
Here are the key proposals in the bill:
The bill could go into effect as soon as next year if Republicans take control of the U.S. House, as recent polls suggest. However, nothing about the bill is certain yet.
For borrowers, the result of the bill is a mixed bag. Parts of the bill, such as the limit on graduate borrowing, are intended to rein in the long-term costs of an education, and the expansion of the Pell Grant program could help students who are pursuing workforce programs. On the other hand, the elimination of the PSLF program and the reforms to income-driven repayment could make it harder for low-income borrowers to get out from under their balances in a timely manner.
Whether you’re new to student loans or well into repayment, it’s wise to stay informed about how your student loan rates could change. During 2022, more opportunities for cheaper loans or loan forgiveness could open up; keep an eye on the Bankrate student loans news hub for the latest trends.
Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.
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