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 The Federal Student Loan Programs (Federal Stafford, Federal PLUS, etc.) are regulated by the Federal Government (commonly referred to as "The Feds", i.e Congress and the President). Regulations have been passed which made some significant changes. Some lenders which have participated in the programs are pulling out because they are no longer making the profit they once were. Also, there have been no significant increases in annual student loan limits (which are also regulated by The Feds) for a long, long time (in 1992, the annual loan limit for base Stafford loans for graduate students increased from $7,500 to $8,500, and in 2006, the Higher Education Reconciliation Act increased the base Stafford amounts for first year students from $2,625 to $3,500 and for second year students from $3,500 to $4,500). It's also important to note that, while the ANNUAL loan limits increased by a tiny amount, the TOTAL loan amount that undergraduate students are allowed to borrow...
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