Big shifts are coming to student loans starting July 2026. If you're carrying six figures of debt or even thinking about grad school, you'll definitely want to hear this one. Unlimited loans are out, so pricey grad programs might not be as easy to join. Sounds scary, right? But this shift could actually work in your favor. Fewer students funneled into certain careers could mean bigger salaries and steadier job security for those who do make it through. Learn what these changes could look like for you, your school, and your paychecks down the road.

Key moments:

(02:49) Loan borrowing caps for students starting grad programs after July 2026

(14:08) We may see grad schools offering discounts, much like undergrad tuition discounting

(17:27) Schools dependent on higher federal loan limits may be forced to close their doors

(18:24) Parent PLUS borrowers must be careful about borrowing before July 2026

(23:27) Affordable in-state and public programs will see a flood of new applications and competition

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