On July 4, 2025, the One Big Beautiful Bill Act—a sweeping legislative package—was signed into law, bringing with it some of the most significant changes to federal student loans in over a decade.

July 2025 marked the passage of one of the most sweeping federal reforms in recent history—the One Big Beautiful Bill (OBBB). While the headlines have focused on tax cuts and student loans, hidden within its 1,200+ pages are transformative changes to the U.S. education system.