UCC will open at 10am today.
UCC will open at 10am today.
The One Big Beautiful Bill Act (OBBBA), signed July 4, 2025, made changes to federal student aid programs, including the federal Pell Grant and federal student loan limits.
Umpqua Community College is sharing this information for awareness only. It is not official
federal guidance. Final rules will come from the U.S. Department of Education.
Students should refer to the federal website studentaid.gov for official and up-to-date
information.
The college will update its guidance as more federal details are released.
Starting July 1, 2026, for the 2026–2027 aid year and beyond, you are not eligible for a Pell
Grant if:
or
Additionally, the OBBBA established a new Workforce Pell program for short-term certificate programs and provides two years of Federal Pell Grant funding.
This may expand eligibility for some students, but Umpqua Community College is waiting for state guidance before implementing any changes.
Beginning in the 2026–2027 aid year, the OBBBA requires Federal Direct Loans to be prorated for less-than-full-time enrollment. Loan amounts will be adjusted based on enrolled credits. Students must be enrolled at least half-time (6+ credits) to qualify.
These rules are pending final federal approval.
The U.S. Department of Education issued final regulations on May 1, 2026, with additional guidance still expected.
Beginning July 1, 2026 (2026–2027 aid year and beyond), a $257,500 lifetime federal student loan limit applies.
Legacy Provision: If a borrower has a Federal Direct Loan made before July 1, 2026, while enrolled in a credentialed program, the borrower can continue to borrow under current loan limits for 3 academic years or the remainder of their expected time to credential, whichever is less.
Starting July 1, 2026, federal student loan repayment options will be simplified.
New borrowers (after 7/1/26):
New loans will default to the Standard Plan unless another option is chosen.
Current borrowers:
May keep existing repayment plans if no new loans are taken after 7/1/26. Some older income-driven plans will transition to RAP over time.
