U.S. Senate Plans Action on Reconciliation
This week, the Senate intends to take up H.R. 1, the One Big Beautiful Bill Act that the House passed
on May 22. The bill has numerous provisions of concern to higher education and access to oral health care.
Both the House-passed bill and the draft Senate version will end the GradPLUS loan
program after July 1, 2026. However, students who have begun an academic course
using the GradPLUS loan program will be allowed to continue using it as long as
the course’s expected completion date is within three years.
Again, both versions of the bill cap overall graduate student borrowing from Federal
loan programs—the House at $150,000 and the Senate at $200,000. The draft Senate
version places a lifetime limit on overall Federal borrowing at $257,500, after July 1, 2026.
The Senate proposes to repeal all current income-driven repayment plans and create
one new IDR plan effective July 1, 2026, with minimum monthly payments for 30
years and payment amounts from $120 to 10% of Adjusted Gross Income.
A modified standard repayment plan for a fixed period of 10 to 25 years depending on loan balance.
PLUS loan borrowers must use standard repayment plans.
Both versions of the bill maintain the Public Services Loan Forgiveness (PSLF)
program but include certain provisions that make it more difficult to qualify.
For instance, the Senate version provides that time spent in dental and medical
internships and residencies do not count as public service jobs under PSLF.
The Medicaid provisions also cause concerns. The Senate bill eliminates temporary
incentive for states that adopted expansion (i.e., the 90% Federal match) after
July 1, 2026. It also requires states to perform eligibility determination every
six months, rather than yearly, for Medicaid expansion adults beginning Dec. 31,
2026. States will also be required to obtain enrollee address information from
a “reliable data source.” All these provisions could cause at least 13.7 million
people to lose insurance coverage over the next 10 years, according to the Congressional Budget Office.
ADEA has posted Action Alerts and information on ADEA Connect asking dental educators to be in touch
with their Senators about their concerns with higher education and Medicaid.
Please contact your Members of Congress!