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[quote=Anonymous]DD is applying for Fall of 2026.

Went to undergrad in VA. VA 529 paid for all 4 years (tuition and living expenses). Still has an open VA 529 account.

DS has been working full-time in the medical field since Jan 2024. Salary is $55k/year. Will work till June 2026.

New BBB law will drastically limit loans and get rid of GradPlus loans beginning July 1, 2026.

- Capped at $200,000 total borrowing for these programs.
- New annual borrowing limit of $50,000 per year.
- This is a sub-limit inside the $257k total cap.
- Grad PLUS loans will be eliminated for new borrowing after July 1, 2026.

She will take out the full $50k/year for the 4-year cap of $200k. Obviously, these limits will not offer full med school tuition/expenses coverage for the 4 years of med school.

Between now (August 1, 2025) and when she starts med school (and ongoing after admission for 4 years of med school), does it make sense for me to plow money into her VA 529? Or should she do it. She'll be 24 in two months.

What are the loan implications if she does it vs. me?[/quote]

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