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Nursing programs excluded from 'professional degree' status under new federal loan rules. Here's what would change

Graduate nursing students will face lower federal borrowing caps from July 2026, reducing loan limits from $200,000 to $100,000, raising concerns over nurse shortage impacts.

  • Following changes tied to the One Big Beautiful Bill Act, the U.S. Department of Education said `the Department did not update the federal definition of 'professional degree' to exclude nursing.`
  • Signed in July, the One Big Beautiful Bill Act imposed lifetime borrowing caps and led the U.S. Department of Education to update its list, removing nursing and allied clinical programs.
  • Under the new law, students pursuing master's, doctorate, and other advanced nursing degrees face borrowing caps of $50,000 annually and $200,000 total, with repayment restructured to a new income-based plan, effective July 1, 2026.
  • The American Nurses Association said most graduate nursing students rely on federal aid, and the Department warned that reduced funding could harm workforce development for next year.
  • Beginning July 1, 2026, the Department of Education reclassifies nursing outside professional degrees, affecting federal loan limits and ending Grad PLUS for new borrowers in the 2026-2027 academic year, despite nursing groups' warnings.
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Marca broke the news in Barcelona, Spain on Friday, November 21, 2025.
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