Federal Loan Caps Add Barriers — And Likely Debt — for Healthcare Students

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Federal Loan Caps Add Barriers — And Likely Debt — for Healthcare Students

July 28, 2026 admin 0 Comments 0 tags

Benjamin Pinckney stands outside. He is holding his graduation gown and has his graduation cords draped over his neck. — Benjamin Pinckney has dreamed of becoming a physician assistant since he was 20 years old but says new student loan limits enacted by Congress in 2025 may prevent him from pursuing his goal. (Erica S. Lee for KFF Health News)

The federal government is capping the amount graduate students can borrow. The Department of Education says the new rules are designed to help curb student debt and pressure schools to lower tuition. But some loan experts fear those good intentions could leave many at the mercy of private lenders with higher interest rates. Saddling healthcare graduate students with pricier debt burdens can narrow their career choices.

KFF Health News correspondent Lauren Sausser joined WAMU’s Health Hub on July 22 to explain how the loan caps could make healthcare provider shortages worse or compromise the diversity of the workforce. Plus, she discusses how some states are pushing back against the new rules.

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