As U.S. graduate financing changes, affordability by design matters more
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Starting July 1, 2026, the U.S. is changing how graduate students can borrow money for school. Grad PLUS loans will no longer be available to most graduate and professional students beginning a new program, enrolling at a new school, or borrowing for the first time for their current program, with limited exceptions for some continuing borrowers. Additionally, there are new limits on federal loans: standard graduate students can borrow up to $20,500 per year (up to $100,000 total), while professi
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