In this episode, Ben returns to the mic after a short break to dive into the ramifications of the newly enacted "Big, Beautiful Bill," a sweeping legislative package signed into law during Trump’s second term. Rather than explore the bill's political implications, Ben focuses squarely on what the bill means for law school access, student loans, scholarships, and legal education's return on investment (ROI). His central thesis is blunt: most law schools were already a poor investment, and the changes this bill brings may finally end the harmful cycle of overborrowing for underwhelming outcomes.

Ben explains that the bill eliminates Grad PLUS loans and imposes a federal borrowing cap of $50,000 per year (up to $200,000 total) for law and medical students. This effectively prevents students from using federal loans to finance overpriced, low-ROI law schools. He predicts that private lenders will step in only for students attending top-tier schools with proven career outcomes. This new reality could collapse the tuition-subsidized scholarship model, where weaker students paid full freight so stronger candidates could attend for free.

Throughout the episode, Ben critiques the legal education system for enabling predatory pricing by bad law schools propped up by government-backed loans. He argues that while fewer students may now be able to attend law school, this is a feature, not a bug. He contends that the new system will filter out students who never should have gone in the first place — many of whom would graduate with insurmountable debt and limited job prospects.

He also addresses the criticism that these changes reduce access for first-gen and low-income students. Ben counters that anyone with a high LSAT score can still attend law school debt-free, as long as they target schools that offer full-ride scholarships. In his view, the real injustice was the illusion that all law schools were created equal — a narrative that lured many students into financial traps. He closes by encouraging critical thinking over credentialism and opens the door for respectful, data-backed debate.

https://linktr.ee/heyfuturelawyer