A new student loan limit proration rule has triggered concerns among financial aid experts, who say the policy is more complicated than it appears and that the Department of Education has not released enough guidance. Aid officers warned that credit-hour changes can affect eligibility calculations in ways that may be hard to implement at scale during award-season timelines. Separately, Office of Federal Student Aid (FSA) staff are scheduled to move out of the Department of Education’s Lyndon B. Johnson building and shift operations to a Department of Treasury site on K Street. The changes come as the administration pursues broader efforts to dismantle parts of the Department of Education and consolidate federal student-loan oversight with Treasury. For colleges, the combination of new borrowing mechanics and operational shifts risks creating administrative load during the start of the academic year—especially for institutions already managing complex verification and packaging workflows. Counselors and financial aid leaders will likely need updated tool guidance, training, and contingency processes to avoid miscalculations or delayed disbursements.