Future Graduate Student
You are starting a graduate or professional program in the Fall of 2026 or later
Federal Student Loans:
Reduced Annual Loan Limits for Part-Time Enrollment
Limited loan eligibility for part-time students: In most cases, if you enroll less than full-time as defined by your program, your annual loan limit must be reduced proportionally
Example: If you enroll half-time during the Fall semester, the portion of your annual loan limit attributable to the Fall will be reduced by 50 percent. If the amount you plan to borrow for the Fall exceeds the new limit, your Fall loan will be reduced to the new limit.
New Annual, Aggregate, and Lifetime Total Loan Limits
Critical Change: Graduate PLUS loans are no longer available starting July 1, 2026
| Program Type | Annual Limit | Aggregate Limit | Lifetime Maximum |
|---|---|---|---|
| Graduate | $20,500 | $100,000 | $257,500 (all undergrad, grad, and professional) |
| Professional (e.g., Law, Pharmacy, and Clinical Psychology PhD) |
$50,000 | $200,000 |
Recommendation: If your program costs exceed these limits, consider private education loan options