# 2026-07826: Education Dept Updates Student Loan Privacy Records System

2026-07826, Privacy Act of 1974; System of Records, is a Federal Register notice from Education Department published 2026-04-22, effective 2026-04-22; PRIA reads it as touching household money (as of 2026-06-08).

- Canonical: https://policyrisk.com/federal-register/2026-07826
- As of: 2026-06-08
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Document number: 2026-07826
- Title: Privacy Act of 1974; System of Records
- Type: Notice
- Agencies: Education Department
- Citation: 91 FR 21463
- Published: 2026-04-22
- Effective: 2026-04-22
- Comments close: 2026-05-22
- Significant: no
- Touches household money: yes
- Regulation identifier numbers: none
- Last updated: 2026-06-08

## In one line

Education Dept Updates Student Loan Privacy Records System

## Summary

The Department of Education is updating its records system that handles info about students, borrowers, cosigners, and endorsers of federal student loans. This change helps keep your data safe and organized for loan programs under the Higher Education Act. You can share your thoughts by May 22, 2026, before the update goes live on April 22, 2026—no extra costs involved, just smoother service!

## Abstract

In accordance with the Privacy Act of 1974, as amended (Privacy Act), the U.S. Department of Education (Department) publishes this notice of a modified system of records entitled "Common Services for Borrowers (CSB)" (18-11-16). The information contained in this system is maintained for various purposes relating to aid applicants and recipients, cosigners, and endorsers of loan applications for Federal title IV, Higher Education Act of 1965, as amended (HEA) program funds.

## Effects PRIA read

- “Legacy” PLUS Borrowers Preserved: benefit, medium. If you received a Graduate PLUS or Parent PLUS loan before June 30, 2026, the Department will keep a "legacy" record so you can stay eligible under pre-2026 rules for the lesser of a transitional period not to exceed three academic years or until you finish your current program of study. This chang…
- New Tracking of Lower PLUS Loan Limits: cost, medium. The Department will record and enforce lower annual and aggregate loan limits for PLUS loans, including tiered unsubsidized caps for graduate/professional students, a gross lifetime limit for Parent PLUS borrowers per dependent, and a universal non-PLUS lifetime maximum. The system changes support…
- Expanded Records for Borrowers, Cosigners, Endorsers: benefit, low. The Department's Common Services for Borrowers system will maintain identity, repayment, discharge, income-consent for IDR, and other records for borrowers, cosigners, and endorsers to verify eligibility, service loans, and respond to possible breaches. The modification is effective April 22, 2026,…

## Related documents

- [2026-17239](https://policyrisk.com/federal-register/2026-17239): Education Department General Administrative Regulations, 2026-08-24
- [2026-17001](https://policyrisk.com/federal-register/2026-17001): Accreditation, Innovation, and Modernization: The Secretary's Recognition of Accrediting Agencies: Institutional Eligibility Under the High…, 2026-08-20
- [2026-15019](https://policyrisk.com/federal-register/2026-15019): Rescinding Portions of the Department of Education Title VI Regulations To Align With the Statutory Text and Conform to Executive Order 142…, 2026-07-24
- [2026-13286](https://policyrisk.com/federal-register/2026-13286): Accountability in Higher Education and Access Through Demand- Driven Workforce Pell: Student Tuition and Transparency System (STATS) and Ea…, 2026-07-01
- [2026-10013](https://policyrisk.com/federal-register/2026-10013): Accountability in Higher Education and Access Through Demand-Driven Workforce Pell: Pell Grant Exclusion Relating to Other Grant Aid; and W…, 2026-05-19
- [2026-08556](https://policyrisk.com/federal-register/2026-08556): Reimagining and Improving Student Education-Federal Student Loan Program Final Regulations, 2026-05-01

## Sources
- [2026-07826 on federalregister.gov](https://www.federalregister.gov/documents/2026/04/22/2026-07826/privacy-act-of-1974-system-of-records)
- [2026-07826 as published (PDF)](https://www.govinfo.gov/content/pkg/FR-2026-04-22/pdf/2026-07826.pdf)

## Related
- [Previous: 2026-07825, Privacy Act of 1974; System of Records](https://policyrisk.com/federal-register/2026-07825)
- [Next: 2026-07827, Privacy Act of 1974; System of Records](https://policyrisk.com/federal-register/2026-07827)
- [All Federal Register documents](https://policyrisk.com/federal-register)

Source: PRIA, https://policyrisk.com/federal-register/2026-07826 (as of 2026-06-08).