New Employee Benefit to Help You Navigate Upcoming July 1 Student Loan Changes
Major federal student loan changes take effect on July 1, 2026, and they may affect monthly payment amounts and future education funding options.
Eligible UC Davis and UC Davis Health employees and their families now have access to Tuition.io, a web-based platform with tools and experts who can help you understand what is changing and identify the best path forward, whether you are managing your own student debt, pursuing Public Service Loan Forgiveness (PSLF) or planning ahead for future education costs.
Get started with Tuition.io and talk to a student loan expert
Through the platform, eligible UC Davis and UC Davis Health employees have access to:
- Tools to review repayment strategies
- Guidance on forgiveness programs, including PSLF
- Planning support for future education expenses
- Unlimited one-on-one consultations with student loan coaches and education mentors
- Up-to-date information about federal student loan changes
Register for an upcoming Zoom webinar to learn about the new benefit, legislative updates and actions to take now on student loan repayment options:
Explore this new benefit and access your portal
What to know about the July 1 changes
Major federal student loan changes take effect July 1, 2026, and they may affect your monthly payment amount and future education funding options.
Here are a few highlights of the changes:
- PSLF still exists & borrowers are actively receiving forgiveness
- Any new Parent PLUS loans issued after July 1, 2026 are ineligible for income-driven repayment (IDR) and PSLF. If your existing Parent PLUS loans are consolidated before July 1, 2026, you will still have access to IDR options and PSLF.
- Graduate PLUS Loans end for new borrowers on July 1, 2026, and while current students can continue borrowing for a limited time if they stay in the same program, all future graduate and professional students will face new capped borrowing limits.
- SAVE Plan: The SAVE plan is ending, and you will have 90 days to change repayment plans after July 1, 2026. Now is the time to consider your alternatives. If you’re working towards PSLF, switch to the better of PAYE, ICR, IBR, or the new Repayment Assistance Plan (RAP), available July 1st.
- PAYE or ICR plans - You can stay on these plans and earn PSLF credit until July 1, 2028.
- Anyone who borrows new federal loans or consolidates their loans after July 1, 2026 will only have access to RAP to make progress toward PSLF.
Need help?
If you have trouble accessing the Tuition.io portal, the support team is available through the platform chat, by email at [email protected] or by phone at 855-353-9395.
If you have any questions, please reach out to [email protected].