从2026年7月1日起,研究生面临更严格的贷款限额和较少的还款选择。 Graduate students face stricter loan limits and fewer repayment options starting July 1, 2026.

研究生将不再能够从2026年7月1日起获得PLUS贷款,并将面临新的借款限额:研究生每年最多可贷款20 500美元,专业学生每年最多贷款50 000美元,终身总限额分别为100 000美元和200 000美元。 Graduate students will no longer be able to take out PLUS loans starting July 1, 2026, and will face new borrowing limits: up to $20,500 annually for graduate students and $50,000 annually for professional students, with total lifetime limits of $100,000 and $200,000, respectively. 大多数以收入为驱动的还款计划也将逐步取消,使借款人有了经修改的标准计划和还款援助计划,该计划免除了30年还款之后的剩余债务。 Most income-driven repayment plans will also be phased out, leaving borrowers with a modified standard plan and the Repayment Assistance Plan (RAP), which forgives remaining debt after 30 years of payments. 这些变化旨在减少联邦学生贷款支出,但可能会增加对私人贷款的依赖,因为私人贷款提供的保护较少。 These changes aim to reduce federal student loan spending but may increase reliance on private loans, which offer fewer protections.