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Draft rule would change graduate and professional loan limits, add legacy protections and allow institution-level limits
Summary
The Department presented draft loan-limit changes effective 07/01/2026 including annual graduate and professional student limits, aggregate caps, legacy exceptions for students enrolled as of 06/30/2026, and a new authority for institutions to set consistent program-level loan limits.
Department staff read detailed draft text proposing new annual and aggregate loan limits and transition rules. Key proposed amounts include a $20,500 annual unsubsidized limit for graduate students who are not professional students and a $50,000 annual limit for professional students beginning July 1, 2026. Aggregate and lifetime amounts were also proposed: $100,000 for some graduate borrowers and $200,000 for certain professional borrowers (adjusted for…
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