Student Loan, graduate borrowing
Digest more
Historically, graduate students enrolled at least half-time could generally borrow up to the full annual Direct Unsubsidized Loan limit, regardless of whether they attended half-time or full-time. Beginning July 1, 2026, new borrowers enrolled less than full-time will have their annual loan limits prorated based on their credit load.
Over 10 graduate students said they are tapping into alternative funding sources and reconsidering further studies to adapt to stricter federal borrowing limits and the termination of the Grad PLUS program.
New federal loan limits restrict borrowing for graduate degrees in many fields, and prospects for private loans are also grim.
If you've maxed out on federal aid, private lenders like College Ave, Earnest and Sallie Mae can make your graduate school goals a reality.
New federal loan rules effective July 2026 limit borrowing and end Grad PLUS loans. Here is how to cover costs.
The Hechinger Report on MSN
Nowhere to turn: Many grad students in health care fields can't get loans for their degrees
With her senior year of college now underway, Mitzie Westgate has begun planning what she’ll do after graduation next spring. An exercise science major, she hopes to go straight to graduate school and pursue a doctorate in occupational therapy so she can open a nonprofit to help children with disabilities like her cousin,
Students who qualify for the limited exception can continue to borrow Graduate PLUS loans, and are also exempt from the new Direct Unsubsidized aggregate and lifetime limits.Students who qualify for the limited exception may continue to borrow Graduate PLUS loans for up to three years as long as they meet the limited exceptions criteria.
Hosted on MSN
Best graduate student loans of July 2026
Federal graduate student loan options include Direct Unsubsidized Loans and Direct Plus Loans for those who borrowed before July 1, 2026. Consider exhausting your federal student loan options and other student aid before turning to private graduate student ...
WSJ Buy Side is The Wall Street Journal’s research and commerce team. Our commerce content is distinct from our newsroom coverage. We earn a commission from some links in our articles. Learn more. Private graduate student loans can close a funding gap ...