December 10, 2025
Mr. Kennedy of New York (for himself, Ms. Tokuda, and Mr. Figures) introduced the following bill; which was referred to the Committee on Education and Workforce
To amend the Higher Education Act of 1965 to ensure that graduate and professional students have the same annual and aggregate limits for Federal Direct Unsubsidized Loans.
Section 1. Short title
This Act may be cited as the Loan Equity for Advanced Professionals Act
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Sec. 2. Annual and aggregate loan limits for graduate and professional students
Section 455(a)(4) of the Higher Education Act of 1965 (20 U.S.C. 1087e(a)) is amended—
(1)
by amending subparagraph (A) to read as follows:
(A) Annual limits beginning July 1, 2026
Subject to paragraphs (7)(A) and (8), beginning on July 1, 2026, the maximum annual amount of Federal Direct Unsubsidized Stafford loans, that a graduate student or professional student may borrow in any academic year or its equivalent, shall be $50,000. ; and
(2)
by amending subparagraph (B) to read as follows:
(B) Aggregate limits
Subject to paragraphs (6), (7)(A), and (8), beginning on July 1, 2026, the maximum aggregate amount of Federal Direct Unsubsidized Stafford loans, in addition to the amount borrowed for undergraduate education, that a graduate student or professional student may borrow for any program of study described in clause (i) or (ii) of subparagraph (C) shall be $200,000.