{"id":1746,"date":"2025-08-18T09:46:53","date_gmt":"2025-08-18T14:46:53","guid":{"rendered":"https:\/\/blogs.und.edu\/grand-rounds\/?p=1746"},"modified":"2025-08-18T09:46:53","modified_gmt":"2025-08-18T14:46:53","slug":"financial-aid-fall-2025","status":"publish","type":"post","link":"https:\/\/blogs.und.edu\/grand-rounds\/2025\/08\/financial-aid-fall-2025\/","title":{"rendered":"Financial Aid (Fall 2025)"},"content":{"rendered":"<h3>Trimester 1<\/h3>\n<p>The last date to pay Trimester 1 Tuition to avoid a late fee is September 15, 2025.<\/p>\n<p>If you would like to receive loan money to cover your balance, please promptly contact the Office of Student Affairs &amp; Admissions at <a href=\"mailto:saa@UND.edu\">saa@UND.edu<\/a> or 701.777.4221 to discuss your options. You can view your student account balance in <a href=\"https:\/\/studentadmin.connectnd.us\/psp\/NDCSPRD\/?cmd=login&amp;languageCd=ENG&amp;\">Campus Connection<\/a>.<\/p>\n<h3>Trimester 2<\/h3>\n<ul>\n<li>Class of 2029: Disbursement will begin October 20, 2025<\/li>\n<li>Class of 2028: Disbursement will begin October 20, 2025<\/li>\n<li>Class of 2027: Disbursement will begin October 20, 2025<\/li>\n<li>Class of 2026: Disbursement will begin October 6, 2025<\/li>\n<li>Last date to pay Trimester 2 Tuition to avoid a late fee is December 15, 2025.<\/li>\n<\/ul>\n<h3>Important Federal Student Loan Changes \u2013 What You Need to Know<\/h3>\n<ol>\n<li><strong> Graduate PLUS Loan Program Eliminated<\/strong><br \/>\nStarting July 1, 2026, the Graduate PLUS loan program will be discontinued. However, borrowers with a Federal Direct Loan made before July 1, 2026, while enrolled in a credentialed program, can borrow from the GradPLUS Program for three (3) academic years or the remainder of their expected time to credential, whichever is shorter.<\/li>\n<li><strong>New Loan Limits Introduced<\/strong><\/li>\n<\/ol>\n<ul>\n<li style=\"list-style-type: none\">\n<ul>\n<li><strong>Annual Limits<\/strong>: $20,500\/year for graduate students and $50,000\/year for professional students.<\/li>\n<li><strong>Aggregate Limits<\/strong>: $100,000 total for graduate students and $200,000 total for professional students.<\/li>\n<li><strong>Lifetime Borrowing Cap<\/strong>: $257,500 for all federal loans combined (excluding Parent PLUS loans).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p style=\"text-align: right\"><em>(These limits take effect July 1, 2026. However, if you are a current borrower, you will be able to borrow under current rules for the remainder of your program.)<\/em><\/p>\n<ol start=\"3\">\n<li><strong> Two Repayment Options for New Borrowers (Post-2026)<\/strong><br \/>\nBorrowers with new loans made on or after July 1, 2026, can be repaid using only two plans:<\/li>\n<\/ol>\n<ul>\n<li style=\"list-style-type: none\">\n<ul>\n<li>A new <strong>Standard Repayment Plan<\/strong> with fixed payments (10\u201325 year terms)<\/li>\n<li>A new income-driven plan called <strong>RAP (Repayment Assistance Plan)<\/strong><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p style=\"padding-left: 40px\">Current borrowers with no new loans made on or after July 1, 2026, are eligible to enroll in the current Standard, Graduated, Extended, or Income-Based (IBR) repayment plans, and can also choose the new RAP. <strong>Note<\/strong>: Borrowers on ICR, PAYE, or SAVE must transition to a new plan by July 1, 2028. If no selection is made, they will be automatically placed into RAP.<\/p>\n<ol start=\"4\">\n<li><strong> RAP Details<\/strong><\/li>\n<\/ol>\n<ul>\n<li>Minimum monthly payment: <strong>$10<\/strong>, based on Adjusted Gross Income (AGI) and number of dependents.<\/li>\n<li>For married borrowers filing separately, income and dependents will be calculated separately.<\/li>\n<li>You can switch from RAP to the Standard plan at any time.<\/li>\n<\/ul>\n<ol start=\"5\">\n<li><strong> IBR Updates<\/strong><\/li>\n<\/ol>\n<ul>\n<li>Partial financial hardship is no longer required.<\/li>\n<li>Loan forgiveness after 25 years of qualifying payments remains.<\/li>\n<\/ul>\n<h3>Additional Changes<\/h3>\n<ul>\n<li><strong>Economic Hardship Deferment<\/strong> and <strong>Unemployment Deferment<\/strong> will be <strong>eliminated<\/strong> for loans disbursed on or after July 1, 2027.<\/li>\n<li><strong>Public Service Loan Forgiveness (PSLF)<\/strong> will count time spent in medical or dental internships and residency programs.<\/li>\n<\/ul>\n<p>We understand these changes may raise questions. More guidance is expected as the implementation date approaches, and we will keep you updated with new information as it becomes available.<\/p>\n<h3>Scholarships<\/h3>\n<p>Scholarships have been awarded, and students have been notified. Please make sure you return your thank you notes to SAA as soon as possible.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Trimester 1 The last date to pay Trimester 1 Tuition to avoid a late fee is September 15, 2025. If you would like to receive loan money to cover your balance, please promptly contact the Office of Student Affairs &amp; Admissions at saa@UND.edu or 701.777.4221 to discuss your options. You can view your student account [&hellip;]<\/p>\n","protected":false},"author":36,"featured_media":1555,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[518],"tags":[759,552,642,843,839,758,842,838,841,840,763,774,820],"class_list":["post-1746","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-aid","tag-debt","tag-disbursement","tag-financial-aid","tag-graduate","tag-irb","tag-loans","tag-plus","tag-pslf","tag-rap","tag-repayment-assistance","tag-scholarships","tag-trimester","tag-tuition"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Financial Aid (Fall 2025) - Grand Rounds<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blogs.und.edu\/grand-rounds\/2025\/08\/financial-aid-fall-2025\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financial Aid (Fall 2025) - Grand Rounds\" \/>\n<meta property=\"og:description\" content=\"Trimester 1 The last date to pay Trimester 1 Tuition to avoid a late fee is September 15, 2025. 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