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

Congress capped how much graduate students can borrow starting in 2025, hoping to curb debt and pressure schools to lower tuition. But loan experts worry the policy will backfire, according to KFF Health News. Students unable to borrow enough through federal programs may turn to private lenders charging significantly higher interest rates—adding pricey debt burdens that could steer healthcare grad students away from needed specialties and worsen provider shortages. The new rules also threaten to narrow workforce diversity. Several states are now pushing back against the restrictions.

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