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No, effective July 1, 2026, students who receive grants or scholarships from non-federal sources covering their entire cost of attendance (COA) are ineligible to receive a Pell Grant, even if otherwise eligible for the program.

No, students who meet the legacy provisions may not forfeit their legacy borrower status and must continue to borrow under the current loan regulations prior to OB3.

Federal Unsubsidized Loan: For those students who can complete the FAFSA, students will be able to receive a Federal Unsubsidized Loan to help cover the costs of their education.

Private Educational Loans: These are offered by private lenders, banks, and credit unions. The terms can vary depending on the lender and normally require a credit check. It is important to compare interest rates, repayment terms, and borrower protection policies offered by each lender.

Yes, borrowers鈥痚nrolled in鈥痩ess than full time鈥痺ill only be able to borrow loan amounts in direct proportion to their credit load, with a minimum half-time enrollment requirement. The new law requires annual loan amounts to be adjusted in direct proportion to your enrollment status for fall and spring. Your eligibility will be determined just prior to disbursement for that term.

The definition of full time for undergraduate students in an academic year is 24 hours (12 in fall and 12 in spring). The definition of full time for graduate students in an academic year is 18 hours (9 hours in fall and 9 hours in spring). Summer is a separate term for federal loan eligiblity. Students must be enrolled at least half-time to be eligible for a loan in any semester.

Any time a student is less than full time, we must follow this formula:

Credit Hours Enrolled (Fall + Spring)  divided by 24 (if undergraduate) or 18 (if graduate) which equals the percentage you may borrow of the maximum loan limit.

Undergraduate Example: Student is eligible for $5,500 in federal direct subsidized loan and is a junior undergraduate who will enroll in 9 hours in fall and 12 in spring.

9 + 12 = 21

21/24 = 0.875 x 100 = 88%

$5,500 x 88% = $4,440 max loan for a student enrolled in 9 hours in fall and 12 hours in spring.

Graduate Example: Student is eligible for $20,500 in federal direct unsubsidized loan. Student will enroll in 6 hours in fall and 6 hours in spring.

6 + 6 = 12

12/18 = 0.666 x 100 = 67%

$20,500 x 67% = $13,735 max loan for a student enrolled in 6 hours in fall and 6 hours in spring.

Federal full-time status is 12 credits per semester for undergraduate students and 9 credits per semester for graduate students.

Most changes take effect starting July 1, 2026. That includes new loan limits, the phase-out of Grad PLUS, and changes to Pell Grant eligibility.

No, federal loan and aid changes under the new law will not affect your scholarships. Scholarships are awarded and renewed based on university policies and program criteria.

The new law does not change the annual or aggregate loan limits for undergraduate students, although undergraduate loans will now count towards the new lifetime limit.

Yes, but starting July 1,2026 new limits apply:

New Parent Plus Loan Borrowers will be capped at $20,000 per year and $65,000 lifetime in PLUS borrowing per student. If both parents borrow on behalf of the same student, their combined borrowing is capped at $20,000 per year and $65,000 lifetime.

If you borrowed Parent PLUS Loans prior to July 1, 2026, you are eligible to borrow under the previous loan limits for the remainder of your student’s program or three years, whichever is shorter. The student must remain continuously enrolled in their current program. If the student takes a leave of absence or doesn’t complete a term, they will be considered a new borrower and subject to the new limits.

If you’re currently enrolled and participating in the student and/or parent Federal loan programs at UT San Antonio, there are no changes to the aid you’ve already received.

If you borrowed a federal student loan at UT San Antonio for a term that began before July 1, 2026, you remain eligible to borrow under the previous loan limits for the duration of your current program or for three years (whichever is shorter), including Graduate PLUS loans.

If your parent borrowed a Parent PLUS loan at UT San Antonio for a term that began before July 1, 2026, your parent remains eligible to borrow under the previous loan limits for the duration of your current program or for three years (whichever is shorter).

Grad PLUS Loans are being phased out under the new law.

New graduate students will no longer be eligible to borrow Grad PLUS for terms that begin on or after July 1, 2026.

If you’re already borrowing Direct Loans before July 1, 2026, you may continue to borrow Graduate Plus Loans. To be eligible, you must be continuously enrolled in your current program of study.

Graduate students currently enrolled as of Spring and Summer 2026, who have previously borrowed federal direct loans that were disbursed鈥痮n or before鈥疛une 30, 2026, under their current program will fall under the legacy provisions. To be eligible, you must be continuously enrolled in your current program of study.

Yes, if you change your graduate program on or after July 1, 2026, you will likely lose your legacy provision status. Keeping your Legacy Status after July 1, 2026 is explicitly tied to you being continuously enrolled in the same program of study at the same institution.

Yes. Undergraduates may change majors if they remain at the undergraduate level and keep their legacy provision status for up to three academic years or the remainder of the student’s expected time to credential, whichever is less.

Not enrolling in summer courses is not considered a break in enrollment for OB3, as long as the student is enrolled for the preceding Spring term and the following Fall term.

To be eligible for the previous loan limits (including Grad PLUS), you must be continuously enrolled in your current program of study. If you take a leave of absence or go on academic pause, you will be considered a new borrower subject to the new loan limits. You will also be considered a new borrower if you temporarily stop attending your current program of study to enroll in and/or complete another program.

Starting in the 2026–27 academic year, new federal loan limits will apply to graduate students.

Graduate students will be limited to the new loan limit of $20,500 annually with a program limit of $100,000. The program limit does not include undergraduate loans. The lifetime federal loan limit is $257,500 which includes those who have borrowed a Graduate Plus loan, but this does not include undergraduate Parent PLUS loans.

It’s important to explore other funding options early. These may include:

• Scholarships
• Installment Plans
• Private Loan Options