联邦学生贷款限制在2026年7月发生变化,削减借款金额. Federal student loan limits change July 2026, cutting borrowing amounts.

美国教育部将于2026年7月1日实施新的联邦学生贷款限制,取消了Grad PLUS计划. Effective July 1, 2026, the U.S. Department of Education is implementing new federal student loan limits, eliminating the Grad PLUS program. 毕业生每年可以借到20500美元,最高可为10万美元. 而医学和法律等专业领域的学生则面临更高的限额:每年5万美元,总共200,000美元. Graduate students will face annual borrowing caps of $20,500 with a $100,000 lifetime maximum, while those in professional fields like medicine and law face higher limits of $50,000 annually and $200,000 total. 家庭贷款也将在每年2万美元和每个受抚养人65,000美元的上限. Parent PLUS loans will also see caps of $20,000 annually and $65,000 per dependent. 虽然批评者警告说, 这些变化可能会使护士等高需求领域的学生处于不利地位. The changes aim to reduce debt and save taxpayers money, though critics warn they may disadvantage students in high-demand fields like nursing.