OBBBA takes effect July 1, 2026. The rules reshape who borrows, how much, and where the volume lands. For private lenders and fintechs, the question isn't whether origination shifts toward private credit. It's whether your servicer can hold quality and compliance while it does.
1969
UAS founded, first focused on campus loans
500+
Fintech, bank, credit-union, university clients
$6B+
Outstanding loans serviced
What changed on July 1, 2026
The "Working Families" loan provisions in OBBBA took effect July 1, 2026. Grad PLUS is eliminated for new borrowers. Annual caps land at $20,500 for graduate borrowers ($100K aggregate) and $50,000 for professional borrowers ($200K aggregate). A new Repayment Assistance Plan charges 1-10% of AGI for up to 30 years, alongside a Tiered Standard Plan running 10-25 years. SAVE, PAYE, and ICR borrowers must transition by July 1, 2028.
These caps push borrowing demand into the private credit market, which is exactly where UAS focuses. At the same time, the Department of Education announced a temporary delay of involuntary collections (wage garnishment and Treasury Offset) to roll out repayment reforms. Roughly 5.5M defaulted borrowers face garnishment when that pause ends, expected late summer or fall 2026, with a second-chance rehabilitation option included.
Backup-servicing readiness isn’t a contract clause you hope never matters. On a multi-LOB compliance platform, it’s a standing capability that turns a servicing interruption from a crisis into a transfer.
UAS Connect
UAS operates the proprietary UAS Connect platform, built for private student and consumer loans as a deliberate hedge against federal volatility. UAS was the first company focused on campus-based loan services and the first to offer cohort management, 24/7 phone account access, and electronic promissory notes.
Always-on borrower access
24/7 online access, real-time transaction processing, online payments, and a fully integrated VRU. A white-label borrower portal keeps your brand in front.
Flexible loan mechanics
Flexible interest, calculation, and capitalization, with integrated tuition and loan servicing on one platform. Built and maintained through an Agile/Jira product process.
Dedicated servicing staff
About 145 dedicated loan-servicing staff sit within TSI’s broader workforce, with the platform-level scale to back them.
Surge capacity from the platform
TSI’s 20+ site, 10,000+ agent footprint absorbs distress-driven call-volume spikes, so a garnishment restart or an origination surge doesn’t overwhelm the line.
Why servicing continuity belongs on the risk register
Warehouse lenders and capital-markets partners now demand granular, current data. A legacy servicer that takes weeks to produce it creates friction precisely when speed matters. A misapplied payment during migration can draw a CFPB consent order. The CFPB Private Education Loan Ombudsman logged roughly 22,900 student-loan complaints and 2,100 debt-collection complaints in its most recent year, and delinquency credit reporting has resumed.
The market around you is thinning out. Navient is permanently banned from federal servicing. MOHELA has drawn criticism for wait times and billing delays on legacy systems. Nelnet absorbed Great Lakes. Software-only providers like LoanPro and LendFoundry hand you a platform but not the operation. TSI brings both, under one compliance infrastructure.
Buyer fears, mapped to proof
| What keeps you up | How TSI answers it |
|---|---|
| Scalability breakdown under an OBBBA-driven origination surge | UAS Connect plus TSI’s 20+ site, 10,000+ agent platform for surge capacity, servicing $6B+ in outstanding loans across 500+ clients |
| A CFPB consent order from payment misapplication during migration | Real-time transaction processing on a proprietary platform inside a NIST CSF 2.0-aligned compliance management system |
| Capital-market friction when warehouse lenders demand granular data fast | Real-time access and reporting through UAS Connect, with 24/7 borrower and data availability |
| A servicing interruption that becomes a covenant event | Backup-servicing readiness inherent to a multi-LOB compliance platform, treated as a risk control |
Messaging by altitude
For the CFO / chief risk officer
Servicing continuity sits on your risk register. Backup-servicing readiness on a compliance platform turns an interruption into a controlled transfer, not a covenant breach.
For the head of servicing
UAS Connect handles real-time processing, flexible loan mechanics, and a white-label portal, with dedicated staff and platform-level surge capacity behind them.
For the operations manager
24/7 borrower access and a fully integrated VRU keep service steady when garnishment restarts or origination spikes drive volume.
Frequently asked questions
What does "servicing continuity as a risk control" mean?
It treats backup-servicing readiness as a standing capability, inherent to a multi-LOB compliance platform, so a servicing interruption becomes a controlled transfer rather than a capital-markets event.
What is UAS Connect?
UAS Connect is a proprietary loan-servicing SaaS platform with 24/7 online access, real-time transaction processing, online payments, a fully integrated VRU, and a white-label borrower portal.
How do the July 1, 2026 OBBBA changes affect private lenders?
New borrowing caps and the elimination of Grad PLUS push demand toward private credit, where UAS focuses. SAVE, PAYE, and ICR borrowers must transition by July 1, 2028.
What scale does UAS bring?
500+ fintech, bank, credit-union, and university clients and $6B+ in outstanding loans, with about 145 dedicated servicing staff inside TSI’s broader workforce.
How does TSI handle distress-driven call spikes?
TSI’s 20+ site, 10,000+ agent footprint provides platform-level surge capacity, so events like a garnishment restart don’t overwhelm servicing lines.
What about the collections and garnishment delay?
The Department of Education announced a temporary delay of involuntary collections in May 2026. Roughly 5.5M defaulted borrowers face garnishment when the pause ends, expected late summer or fall 2026, with a rehabilitation option included.
Does UAS only service student loans?
UAS focuses on private student and consumer loans, with integrated tuition and loan servicing, as a deliberate hedge against federal-program volatility.
How does TSI compare to software-only servicers?
Software-only providers hand you a platform without the operation. TSI brings the proprietary platform and the servicing operation together, under one compliance infrastructure.
Put servicing continuity on your side before the surge
Walk through your migration, your capital-markets data needs, and your OBBBA exposure with a team that runs servicing as a risk control.