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H.R. 6574: Loan Equity for Advanced Professionals Act

This bill, known as the Loan Equity for Advanced Professionals Act, proposes changes to federal loan limits for graduate and professional students under the Higher Education Act of 1965. The key features of the bill are as follows:

Increased Loan Limits

The bill aims to increase both the annual and aggregate limits for Federal Direct Unsubsidized Stafford loans for graduate and professional students starting from July 1, 2026. Specifically:

  • Annual Loan Limit: Graduate and professional students would be allowed to borrow up to $50,000 each academic year in Federal Direct Unsubsidized Stafford loans.
  • Aggregate Loan Limit: The total amount that can be borrowed for graduate and professional studies, in addition to any undergraduate loans, would be set at $200,000.

Eligibility Criteria

The proposed loan limits would apply to students enrolled in specific programs of study as defined in the existing education law, thus ensuring that funds are targeted towards those advancing their education in professional fields.

Impact on Borrowers

By increasing the loan limits, the bill seeks to provide greater financial support to graduate and professional students, potentially reducing their reliance on other forms of financing or personal funds.

Legislative Process

The bill was introduced in the U.S. House of Representatives and is currently under consideration by the Committee on Education and Workforce.

Effective Date

If enacted, the new loan limits would come into effect on July 1, 2026.

Relevant Companies

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This is an AI-generated summary of the bill text. There may be mistakes.

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Sponsors

52 bill sponsors

Actions

2 actions

Date Action
Dec. 10, 2025 Introduced in House
Dec. 10, 2025 Referred to the House Committee on Education and Workforce.

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