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Guides, data, and analysis on the July 2026 Grad PLUS elimination and what it means for medical, law, MBA, and other graduate students.
The Reconciliation Act of 2025 eliminated Grad PLUS loans on July 1, 2026, replacing them with new annual caps. Here is exactly what changed, who is affected, and what the dollar impact looks like by program type.
With Grad PLUS loans eliminated as of July 1, 2026, graduate and professional students need a new funding plan. Here are seven concrete options for covering your gap, from private loans to fellowships to strategic enrollment changes.
With Grad PLUS eliminated, medical students face gaps of $45,000 to $65,000 per year beyond the $50,000 federal cap. Here is the real cost at top MD, DO, and dental programs and what covers the difference.
JD students entering in fall 2026 face gaps of $45,000 to $62,000 per year at top law schools after federal loans are capped at $50,000. Here are the real numbers, public interest implications, and how to cover the difference.
MBA students face the largest per-year funding gaps of any graduate program under the new $20,500 federal cap. At top programs, the uncovered gap exceeds $100,000 per year. Here is what the numbers look like and what to do about it.
Pharmacy, veterinary, and dental students face funding gaps of $30,000 to $70,000 per year under the new $50,000 federal cap. Here are the real cost-of-attendance numbers and how to cover the difference.
With Grad PLUS gone, most graduate students need private loans to cover the funding gap. Here is exactly what to look for, what to avoid, and how to compare lenders before committing to tens of thousands of dollars.
With federal loans capped and private loans filling the gap, understanding which debt qualifies for income-driven repayment and Public Service Loan Forgiveness has never mattered more. Here is what graduate and professional students need to know.