Student Loan Planner The Unfortunate Reason Why Your Salary Will Probably Go up a Lot This Decade
Aug 26, 2025
Big changes in student loans are on the horizon starting July 2026. Unlimited loans will be replaced with caps, affecting grad school accessibility. While this sounds daunting, it could lead to higher salaries and job security for those who persevere. Some grad schools might even offer discounts to attract applicants. There’s a chance some institutions may close due to these financial strains, and competition for affordable programs will intensify. Stay informed to navigate these shifts effectively!
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Federal Caps Will Reshape Professional School Financing
- The Beautiful Bill caps professional school federal borrowing at $50,000 per year for students starting after July 2026.
- This creates a major financing shift that will reshape who can attend expensive programs and how schools behave.
Consider Program Start Dates Carefully
- Schools may try to start cohorts before June 30, 2026 so students can borrow under old limits for several years.
- Consider enrollment timing if you need higher federal borrowing to afford a program.
Living Costs Eat Into New Loan Caps
- Living costs often require $25–30K per year in loans, leaving little for tuition under new caps.
- The cap forces students toward private loans or reduced attendance unless schools change pricing.