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Home/Briefs/student loans

BriefApril 9, 2026 · 09:57 PM

Graduate Students Lose Access to PLUS Loans as Federal Borrowing Caps Tighten

New graduate students cannot borrow the full cost of attendance for their degrees. The One Big Beautiful Bill Act eliminates Graduate PLUS loans for new borrowers. Graduate students are now limited to $20,500 per year and $200,000 aggregate. Professional students are limited to $50,000 per year and $200,000 aggregate. A total lifetime limit of $257,500 across all direct loans is now in place. These changes take effect July 1 for the 2026-27 academic year.

Blake Sterling

student loansfederal borrowingeducation finance

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