参议院法案提议改革学生贷款制度,限制还款选择和限制借款上限。 Senate bill proposes overhauling student loan system, limiting repayment options and capping borrowing.

参议院的一项拟议法案旨在彻底改革美国学生贷款制度,将还款选项削减为两项计划,限制借款额,并改变延期程序。 A proposed Senate bill aims to overhaul the US student loan system by reducing repayment options to two plans, capping borrowing amounts, and altering deferment processes. 研究生和专业学生将面临年度和终身借贷限制,像 " 工资如收入 " 和 " 收入-持续偿还 " 等民众的还款计划将逐步取消。 Graduate and professional students would face annual and lifetime borrowing limits, and popular repayment plans like Pay as You Earn and Income-Contingent Repayment would be phased out. 现有借款人可以继续采用修改后的基于收入的还款计划,而新借款人的选择较少。 Existing borrowers can continue using a modified Income-Based Repayment plan, while new borrowers would have fewer options. 这些修改定于2026年7月1日生效,可能会导致研究生寻求私人贷款,而私人贷款提供的保护较少。 These changes, set to take effect from July 1, 2026, could lead graduate students to seek private loans, which offer fewer protections.