Beginning July 1, 2026, students pursuing degrees in architecture, education, nursing, and several other fields will face sharply reduced federal loan limits after the U.S. government moves to reclassify these programs as non-professional degrees. The change introduced under President Donald Trump’s sweeping One Big Beautiful Bill, marks a major change in how the federal government values some of the country’s most socially essential professions.
Under the new rules, the long-standing federal loan system will be replaced by a single Repayment Assistance Plan (RAP). The plan sets strict borrowing caps that distinguish between professional and graduate students. Those whose programs fall into the non-professional category, will be allowed to borrow up to $20,500 per year, with a lifetime maximum of $100,000. Far less than the current policy, which lets students borrow up to the full cost of their program.
Students in programs that are still recognized as professional, such as medicine or law, will retain the higher borrowing ceiling of $50,000 annually and $200,000 total.
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