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Raising the Cost of Borrowing, Reducing Access: How the One Big Beautiful Bill Reshapes Financial Aid and Repayment

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Title: Raising the Cost of Borrowing, Reducing Access: How the One Big Beautiful Bill Reshapes Financial Aid and Repayment
Language: English
Authors: Victoria Jackson, EdTrust
Source: EdTrust. 2025.
Availability: EdTrust. 1250 H Street NW Suite 700, Washington, DC 20005. Tel: 202-293-1217; Fax: 202-293-2605; Web site: https://edtrust.org/
Peer Reviewed: N
Page Count: 9
Publication Date: 2025
Document Type: Reports - Evaluative
Education Level: Higher Education
Postsecondary Education
Descriptors: Student Financial Aid, Paying for College, Loan Repayment, Federal Legislation, Undergraduate Students, Graduate Students, Higher Education, Middle Class, Minority Group Students, Student Loan Programs, Low Income Students, Debt (Financial)
Abstract: The One Big Beautiful Bill Act (OBBBA) represents the most sweeping rollback of federal student aid and borrower protection in a generation. Signed into law by President Trump on July 4, 2025, after being passed by House and Senate Republicans, OBBBA cuts key federal financial aid programs for undergraduate and graduate students and eliminates critical consumer protections in the federal student loan repayment system. There are no provisions to make college less expensive, and the loss of loan aid is not replaced with more affordable alternatives. This paper explores how these changes will do lasting harm to the American higher education system and will hit low- and middle-income students and students of color the hardest as OBBBA makes higher education less affordable and debt repayment more expensive.
Abstractor: ERIC
Entry Date: 2026
Accession Number: ED678856
Database: ERIC
FullText Text:
  Availability: 0
CustomLinks:
  – Url: https://eric.ed.gov/contentdelivery/servlet/ERICServlet?accno=ED678856
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PubType: Report
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  Data: Raising the Cost of Borrowing, Reducing Access: How the One Big Beautiful Bill Reshapes Financial Aid and Repayment
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  Data: <searchLink fieldCode="AR" term="%22Victoria+Jackson%22">Victoria Jackson</searchLink><br /><searchLink fieldCode="AR" term="%22EdTrust%22">EdTrust</searchLink>
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  Data: <searchLink fieldCode="SO" term="%22EdTrust%22"><i>EdTrust</i></searchLink>. 2025.
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  Data: EdTrust. 1250 H Street NW Suite 700, Washington, DC 20005. Tel: 202-293-1217; Fax: 202-293-2605; Web site: https://edtrust.org/
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  Data: 9
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  Data: 2025
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  Data: <searchLink fieldCode="DE" term="%22Student+Financial+Aid%22">Student Financial Aid</searchLink><br /><searchLink fieldCode="DE" term="%22Paying+for+College%22">Paying for College</searchLink><br /><searchLink fieldCode="DE" term="%22Loan+Repayment%22">Loan Repayment</searchLink><br /><searchLink fieldCode="DE" term="%22Federal+Legislation%22">Federal Legislation</searchLink><br /><searchLink fieldCode="DE" term="%22Undergraduate+Students%22">Undergraduate Students</searchLink><br /><searchLink fieldCode="DE" term="%22Graduate+Students%22">Graduate Students</searchLink><br /><searchLink fieldCode="DE" term="%22Higher+Education%22">Higher Education</searchLink><br /><searchLink fieldCode="DE" term="%22Middle+Class%22">Middle Class</searchLink><br /><searchLink fieldCode="DE" term="%22Minority+Group+Students%22">Minority Group Students</searchLink><br /><searchLink fieldCode="DE" term="%22Student+Loan+Programs%22">Student Loan Programs</searchLink><br /><searchLink fieldCode="DE" term="%22Low+Income+Students%22">Low Income Students</searchLink><br /><searchLink fieldCode="DE" term="%22Debt+%28Financial%29%22">Debt (Financial)</searchLink>
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  Data: The One Big Beautiful Bill Act (OBBBA) represents the most sweeping rollback of federal student aid and borrower protection in a generation. Signed into law by President Trump on July 4, 2025, after being passed by House and Senate Republicans, OBBBA cuts key federal financial aid programs for undergraduate and graduate students and eliminates critical consumer protections in the federal student loan repayment system. There are no provisions to make college less expensive, and the loss of loan aid is not replaced with more affordable alternatives. This paper explores how these changes will do lasting harm to the American higher education system and will hit low- and middle-income students and students of color the hardest as OBBBA makes higher education less affordable and debt repayment more expensive.
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  Data: 2026
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  Label: Accession Number
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  Data: ED678856
PLink https://search.ebscohost.com/login.aspx?direct=true&site=eds-live&db=eric&AN=ED678856
RecordInfo BibRecord:
  BibEntity:
    Languages:
      – Text: English
    PhysicalDescription:
      Pagination:
        PageCount: 9
    Subjects:
      – SubjectFull: Student Financial Aid
        Type: general
      – SubjectFull: Paying for College
        Type: general
      – SubjectFull: Loan Repayment
        Type: general
      – SubjectFull: Federal Legislation
        Type: general
      – SubjectFull: Undergraduate Students
        Type: general
      – SubjectFull: Graduate Students
        Type: general
      – SubjectFull: Higher Education
        Type: general
      – SubjectFull: Middle Class
        Type: general
      – SubjectFull: Minority Group Students
        Type: general
      – SubjectFull: Student Loan Programs
        Type: general
      – SubjectFull: Low Income Students
        Type: general
      – SubjectFull: Debt (Financial)
        Type: general
    Titles:
      – TitleFull: Raising the Cost of Borrowing, Reducing Access: How the One Big Beautiful Bill Reshapes Financial Aid and Repayment
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            NameFull: Victoria Jackson
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            – D: 01
              M: 11
              Type: published
              Y: 2025
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