"Beginning July 1, 2026, students in qualifying professional degree programs can borrow up to $50,000 per year in federal loans, with a lifetime aggregate cap of $200,000."
"For the 2025-26 school year, in-state tuition at one major program runs around $45,000, while out-of-state tuition can reach nearly $60,000 per year."
"The $50,000 federal cap leaves a gap of $20,000 to $40,000 every year across a four-year program, which must be covered by other means."
The One Big Beautiful Bill Act, effective July 1, 2026, limits federal loans for graduate students to $50,000 annually, with a lifetime cap of $200,000. Veterinary school tuition can exceed $60,000 for out-of-state students, leading to a funding gap of $20,000 to $40,000 annually. Families must find alternative funding sources to cover these costs, as the federal loan cap does not meet the total cost of attendance, which can reach $90,000 or more per year.
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