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Injury Delays in Education Under New Federal Loan Caps

Injury Delaying Education: An Overview

When an injury occurs, it can often result in a delay in education as the individual must recover before returning to their studies. This is to ensure the injury heals completely and does not become worse over time. 

Injuries in children are crucial to understand, especially in relation to their educational needs. It is vital to strategically plan the return of a child to school after a serious injury, such as a brain injury, to ensure they are receiving the proper care and support they need. It is also essential that the child’s friends, family, and even teachers are aware of the changes the child may face, as they may experience difficulty adjusting after the injury. A child may experience the following after an injury occurs: 

  • Difficulty with memory
  • Difficulty with comprehension
  • Completing work in an allotted time
  • Lack of energy
  • Susceptibility to distraction
  • Confusion

While accommodations for students are put in place, it is essential to educate parents about these availabilities, as some may not be aware of them. To accurately determine the accommodations needed for the student, a thorough evaluation must be conducted, allowing for assessment of the student’s academic and cognitive abilities. Below is a list of a few accommodations a child can receive upon evaluation:

  • Additional time for work
  • Extended breaks
  • Allowing the student to record classroom instructions
  • Technological accommodations as needed

Types of Injuries That Commonly Disrupt Education

Various injuries can occur on college campuses. Injuries that often occur on college campuses include, but are not limited to: 

  • Slip and fall accidents
  • Pedestrian accidents
  • Car accidents
  • Sports accidents
  • Assault and violent acts

These accidents can cause students to be away from their education and overall studies for extended periods. Additionally, these injuries lead to increased medical bills, ultimately resulting in a decline in income for the students and their families. It is crucial to understand the severity of these instances and consult a personal injury attorney to aid you in the process. 

Academic Consequences

According to reports, approximately 20 million school days are missed yearly as a consequence of youth sports injuries. Missing school at any age can negatively impact the student’s ability to progress in their studies. Understanding the delay in returning to school and allowing the student to make up the work they missed, while providing accommodations, is crucial to ensuring they catch up. 

Studies have shown that students with concussions had poorer academic performance than those with extreme injuries. Furthermore, those students also missed more school days and struggled with concentration and memory. 

Financial Impacts

An individual’s injuries can have a significant financial impact on them and their family. Students with severe injuries may need ongoing medical treatment, which can take a toll on their financial state. The following are some everyday medical expenses that may be incurred after an injury. 

Loan Caps: An Overview of the New Rules

Donald Trump’s “One Big Beautiful Bill Act” (OBBBA) will “cap federal student loans, making it harder for medical students to finance their education.” Starting July 1, 2026, new borrowers will be subject to federal loan limits for graduate and professional education. There will be a graduate school cap of $100,000 and a lifetime loan limit of $200,000 for programs such as medical, dental, or law schools. Additionally, Grad PLUS loans will be terminated, ultimately removing key funding that allowed students to borrow up to the full cost of attendance. 

How This Will Affect Injured Students

Students may need to prolong their education as a result of their injuries, potentially requiring them to need more financial compensation. Under these new laws, students may lose federal loan eligibility before completing their degree, especially in fields such as medicine or law. 

How KAASS LAW Can Help

At KAASS LAW, we understand that unexpected and severe injuries can have a financial impact on students and their families. If your injury was caused by someone else’s negligence, such as a car accident, you may be entitled to compensation. Our experienced personal injury attorneys can provide clear guidance, resources, and support to get you the justice you deserve. We are committed to helping injured students obtain compensation. Contact KAASS LAW for a confidential consultation. 

Natalie A

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