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Education Department lays out statutory loan caps, sets new annual and lifetime limits
Summary
The U.S. Department of Education proposed regulatory text implementing Congress’s fixed loan limits: $20,500 annual for graduate students, $50,000 for professional students, aggregate and lifetime caps (e.g., $100,000/$200,000 and $257,500). Agencies stressed they lack discretion to change fixed statutory numbers.
The U.S. Department of Education presented proposed regulatory language on Sept. 30 to implement statutory changes that limit how much students and parents may borrow under federal student loan programs.
Tammy, a Department presenter, said the regulations track statutory language and listed the main numeric caps: beginning July 1, 2026, graduate students would face an annual unsubsidized loan limit of $20,500 and professional students a $50,000 annual limit. Aggregate and lifetime caps would also change; for example, certain graduate students would be subject to a $100,000 aggregate cap while professional students could face a $200,000 aggregate ceiling,…
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