{
  "generated": "2026-10-22",
  "note": "Known future changes with sources. `date` is the date as the source states it (a day, month or season); `sortDate` is an ISO ordering key, not a claim about the effective day. Confirm before relying on a change taking effect.",
  "events": [
    {
      "date": "2026-12-31",
      "sortDate": "2026-12-31",
      "precision": "day",
      "dataset": "loan-rules",
      "change": "Last day to enroll in auto pay and receive the temporary 1% rate reduction (ED extended this from 2026-09-30).",
      "source": "https://studentaid.gov/announcements-events/idr-court-actions",
      "claim": "andwise:loan-rules/all@2026-10-21"
    },
    {
      "date": "2027-01",
      "sortDate": "2027-01-01",
      "precision": "month",
      "dataset": "loan-rules",
      "change": "HHS publishes 2027 poverty guidelines (affects IBR/PAYE/ICR, not RAP).",
      "source": "https://www.federalregister.gov/documents/2026/01/15/2026-00755/annual-update-of-the-hhs-poverty-guidelines",
      "claim": "andwise:loan-rules/all@2026-10-21"
    },
    {
      "date": "2027 (spring)",
      "sortDate": "2027-01-01",
      "precision": "season",
      "dataset": "loan-rules",
      "change": "ED says IBR and PAYE interest subsidy will require on-time, in-full payments.",
      "source": "https://studentaid.gov/announcements-events/big-updates/definitions",
      "claim": "andwise:loan-rules/all@2026-10-21"
    },
    {
      "date": "2027-01-01",
      "sortDate": "2027-01-01",
      "precision": "day",
      "dataset": "noncompete",
      "jurisdiction": "CA",
      "change": "Under Bus. & Prof. Code § 16608 and Lab. Code § 926 (added by AB 692, Stats. 2025, ch. 703; start date moved to Jan. 1, 2027 by AB 1697, Stats. 2026, ch. 889, effective Sept. 30, 2026), contracts entered on or after this date may not require a worker to repay a debt or pay a fee, cost or penalty when employment ends (stay-or-pay terms); such terms are void under § 16600. Exceptions include qualifying discretionary sign-on or retention bonuses in a separate agreement and government grant-funded recruitment or retention programs.",
      "source": "https://www.joinandwise.com/contracts/noncompete/california",
      "claim": "andwise:noncompete/CA@2026-10-21"
    },
    {
      "date": "2027-01-01",
      "sortDate": "2027-01-01",
      "precision": "day",
      "dataset": "noncompete",
      "jurisdiction": "IL",
      "change": "Freedom to Work Act earnings threshold for covenants not to compete rises from $75,000 to $80,000 (non-solicit threshold from $45,000 to $47,500), per 820 ILCS 90/10 as already enacted.",
      "source": "https://www.joinandwise.com/contracts/noncompete/illinois",
      "claim": "andwise:noncompete/IL@2026-10-21"
    },
    {
      "date": "2027-06-30",
      "sortDate": "2027-06-30",
      "precision": "day",
      "dataset": "noncompete",
      "jurisdiction": "WA",
      "change": "ESHB 1155 (Laws of 2026, ch. 149): all noncompetition covenants become void regardless of when signed. Customer or patient nonsolicitation of up to 18 months, confidentiality, trade-secret and 1%+ ownership-sale covenants remain allowed. Employers must notify affected current and former workers by Oct. 1, 2027.",
      "source": "https://www.joinandwise.com/contracts/noncompete/washington",
      "claim": "andwise:noncompete/WA@2026-10-21"
    },
    {
      "date": "2027-07-01",
      "sortDate": "2027-07-01",
      "precision": "day",
      "dataset": "loan-rules",
      "change": "For loans disbursed on or after this date: no unemployment or economic hardship deferment; general forbearance capped at 9 months per 24. Rehabilitation allowed twice; $10 minimum rehabilitation payment for new Direct Loans.",
      "source": "https://www.govinfo.gov/content/pkg/PLAW-119publ21/html/PLAW-119publ21.htm",
      "claim": "andwise:loan-rules/all@2026-10-21"
    },
    {
      "date": "2027-07-01",
      "sortDate": "2027-07-01",
      "precision": "day",
      "dataset": "loan-rules",
      "change": "New fixed interest rates for 2027-28 disbursements (set from the May 2027 10-year Treasury auction).",
      "source": "https://studentaid.gov/understand-aid/types/loans/interest-rates",
      "claim": "andwise:loan-rules/all@2026-10-21"
    },
    {
      "date": "2027-10-01",
      "sortDate": "2027-10-01",
      "precision": "day",
      "dataset": "loan-rules",
      "change": "Published loan-fee percentages expire for first disbursements on or after this date.",
      "source": "https://studentaid.gov/understand-aid/types/loans/interest-rates",
      "claim": "andwise:loan-rules/all@2026-10-21"
    },
    {
      "date": "2028-06-30",
      "sortDate": "2028-06-30",
      "precision": "day",
      "dataset": "loan-rules",
      "change": "Last day of PAYE and ICR; last day ICR/PAYE payments count toward RAP/IBR/PSLF; temporary 1% auto-pay reduction ends.",
      "source": "https://www.ecfr.gov/current/title-34/section-685.209",
      "claim": "andwise:loan-rules/all@2026-10-21"
    },
    {
      "date": "2028-07-01",
      "sortDate": "2028-07-01",
      "precision": "day",
      "dataset": "loan-rules",
      "change": "Borrowers still in PAYE/ICR (or related forbearance) who did not choose are moved to RAP, or IBR for RAP-ineligible loans. HEA 455(e) repealed.",
      "source": "https://www.govinfo.gov/content/pkg/PLAW-119publ21/html/PLAW-119publ21.htm",
      "claim": "andwise:loan-rules/all@2026-10-21"
    },
    {
      "date": "2029-07-01",
      "sortDate": "2029-07-01",
      "precision": "day",
      "dataset": "loan-rules",
      "change": "Interim exception ends for everyone at the latest (2029-30 award year); Grad PLUS fully gone.",
      "source": "https://studentaid.gov/announcements-events/big-updates",
      "claim": "andwise:loan-rules/all@2026-10-21"
    }
  ]
}