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New Law Caps Graduate Loans, 28% Students at Risk

4/15/2026

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Story summary
  • A new law caps federal graduate loan limits at $20,500 per year.
  • Most graduate programs are affected, forcing many students to seek private loans.
  • Aspiring physician assistants may need an average of $24,500 in private loans.
  • A Philadelphia Federal Reserve study finds 28% of graduate students may exceed the new limits.
  • The same study shows 40% may struggle to secure private loans without a co-signer.