New Rules for Student Loans
學生貸款新規定
Introduction
The US Department of Education has new rules for student loans. These rules start on July 1, 2026.
美國教育部針對學生貸款出台了新規定。這些規定將於 2026 年 7 月 1 日起生效。
Main Body
The government stopped the SAVE plan. Seven million people must pick a new way to pay their loans in 90 days. New students must use the RAP plan or a standard plan.
政府已停止 SAVE 計畫。七百萬人必須在 90 天內選擇新的還款方式。新學生則必須使用 RAP 計畫或標準計畫。
Students cannot borrow as much money now. Graduate students have a limit of $100,000. Parents can only borrow $20,000 per year for each child.
學生現在無法借到這麼多錢。研究生的貸款上限為 10 萬美元。父母每名子女每年的貸款上限僅為 2 萬美元。
Some people get a lower interest rate if they pay automatically. Now, more students may need to borrow money from private banks instead of the government.
部分人士若選擇自動扣款可享有較低利率。現在更多學生可能需要向私人銀行而非政府申請貸款。
Conclusion
It is now harder to borrow money for school. There are fewer choices for paying back loans.
現在借款就學變得更加困難，還款的選擇也減少了。
Vocabulary Learning
💰 Money Words
In this text, we see words for getting and giving back money:
- Borrow → To take money from a bank (you must pay it back later).
- Pay back → To give the money back to the bank.
📉 Simple Limits
Look at how we describe the maximum amount of money using the word limit:
"Graduate students have a limit of $100,000."
This means: They cannot take more than $100,000.
Pattern for A2:
[Person/Group] + have a limit of + [Amount]
⏱️ Time Phrases
Notice this phrase: "In 90 days"
When we use "in" with a time period, it means before that time finishes or after that time passes.
- Example: I will finish the book in two weeks.