Navigating Federal Aid Changes

Federal Aid Is Changing. We’re Here to Help.

Paying for college can feel overwhelming, especially with recent changes to federal financial aid stemming from the “One Big Beautiful Bill” (OBBB), signed into law on July 4, 2025. These reforms will impact how financial aid is awarded across the country starting in the 2026-2027 FAFSA year.

At Unity, we’re here to guide you through these updates and make sure you have the support you need. While some rules may be shifting, our commitment to affordable, high-quality education remains as strong as ever.

What to Expect in 2026-2027

Pell Grants

New Eligibility Rules
Even though fewer students may qualify under the new federal formula, Unity makes it easy to see where you stand. Just use our Net Price Calculator to get a quick, personalized estimate of your aid.
Full-Time Enrollment Requirement
At Unity, you can qualify for full-time Pell Grant benefits by taking as few as 3 credits per term (one course).

Student Loan Repayment

Repayment Plans Are Changing
Although some income-driven options like SAVE and PAYE are being phased out starting July 1, 2026, Unity can help you borrow smarter from the start.
Fewer Deferment Options
Deferments for hardship and unemployment may no longer be available for loans dispersed after July 1, 2027. That’s why Unity’s flexible learning model is more important than ever. Need a break? You can take a term off without disrupting your long-term goals.

PLUS Loans

Parent PLUS Loans will be capped at $20,000 per year, with a $65,000 lifetime limit per student starting July 1, 2026.
Graduate PLUS Loans will be discontinued July 1, 2026. Graduate students will need to use Direct Unsubsidized Loans with annual limits up to $20,500. The good news is, all of our graduate degrees fall under the new limits, and current borrowers can continue borrowing under the legacy rules until they complete their program.

Unity’s Promise

Financial Clarity from Day One

Real Costs, No Games

We believe in transparent pricing, not inflated tuition or confusing “discounts.” What you see is what you pay to allow you to budget with confidence and avoid surprises. In addition, Unity Distance Education and Unity at Pineland have locked tuition through 2030! Explore our affordability page to learn more.

Personalized Financial Aid Support

You’ll never have to figure this out alone. With a dedicated advisor, get one-on-one support from a real person who knows your situation. Whether you’re new to college or returning to finish your degree, we’ll help you build a financial plan that works for you.

What You Can Do Right Now

Just Exploring? Start with your FAFSA

Even if you’re not sure about your next step, filing the FAFSA is the best way to see what financial aid you might qualify for, including grants, loans, and work-study. Get the information you need to plan your path.

Unlock My Aid