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Why Private Lenders May Not Replace Grad PLUS Loans
Starting in 2026, Grad PLUS loans are ending, and there will be new borrowing options for graduate and professional education. The new borrowing limits ($20,500 annually for graduate students and $50,000 for students in designated professional programs) represent a sharp break from the prior model that allowed borrowing up to the full cost of attendance.
The line between “graduate” and “professional” is now tied to detailed federal definitions and CIP codes, placing programs like physical therapy, occupational therapy, physician assistant studies, speech-language pathology, and social work…
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