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Concerns About Planned Caps on Federal Student Loans

The Education Department aims to limit federal graduate and professional student loans to $100,000 and $200,000 respectively to curb tuition growth, amid concerns for program access.

  • Next summer, the U.S. Education Department will finalize Trump administration proposals setting federal lifetime loan caps at $100,000 for graduate students and $200,000 for professional students.
  • Officials say the U.S. Education Department blames graduate borrowing up to cost of attendance for driving tuition growth, and the caps aim to impose commonsense restraint on borrowing.
  • Some programs recognized for higher limits include pharmacy, dentistry, veterinary medicine, law, and medicine; education and nursing are not explicitly named, though nursing costs usually fall below the $100,000 cap, the Education Department says.
  • Union leaders warn the rule could hurt recruitment and retention of nurses and teachers, with John Brady saying it undermines workforce efforts and Kate Dias adding `we have another fight on our hands`.
  • The department notes legal challenges, with plaintiffs filing suits in federal courts, as advocates claim the rule targets organizations opposing the administration's agenda.
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The Gander broke the news in on Friday, November 21, 2025.
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