Recent developments in the Senate reveal a contentious push by congressional Republicans to reform student loan programs, including proposals to cap federal borrowing limits and eliminate popular Grad PLUS loans. This overhaul, associated with a comprehensive budget bill, aims to hold colleges accountable for the financial success of their graduates but may result in heightened repayment amounts for borrowers. Critics warn that these changes could lead to a significant increase in defaults and financial struggles for many students, as they face fewer repayment options and stricter loan limits. Amidst this debate, Democrats are advocating for alternative reforms that address the rising student debt crisis without imposing harsh limitations on borrowers.