For Financial Aid Directors

The OBBBA School Impact Guide: Federal Aid Is Changing, Is Your School Ready?

The OBBBA reduces federal student borrowing across every program type. Schools that don't adapt risk enrollment drops of 10-25%. Here's how to prepare.

The Enrollment Risk

440K+

Grad Students Affected

10-25%

Potential Enrollment Drop

4,000+

Schools Impacted

What the OBBBA Means for Your School

When students can't fund their education, they don't enroll. The OBBBA's reduction in federal borrowing limits means your financial aid packages will come up short for a significant portion of your student body.

Graduate programs are hit hardest, with Grad PLUS eliminated, students who relied on federal funding for 60-80% of their costs need immediate alternatives. Schools without private lending partnerships will lose these students to institutions that have them.

The LoanAmerica Solution for Schools

LoanAmerica partners with schools to offer three core loan products that fill every gap the OBBBA creates. Our LIRS (Loan Institutional Risk Sharing) model aligns institutional incentives with student outcomes, the first risk-sharing model in private student lending.

Onboarding takes about 30 days. Your FA office gets a dedicated portal, training, and co-branded materials. Students get 72-hour funding with Credential Score underwriting.

LIRS: Shared Risk, Better Outcomes

Unlike traditional private lenders, LoanAmerica's LIRS model means partner schools share in the performance of loans made to their students. This creates a direct financial incentive for schools to support student success, because when students succeed, the school benefits.

The result: lower default rates, better student outcomes, and a genuine partnership, not just a vendor relationship.