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Nursing and dozens of other programs are officially added to Trump's higher student-loan limits

Business Insider Published Jun 30, 2026 Reviewed Jul 3, 2026 ✓ Reviewed by citations.press editors
Citation-ready fact
The U.S. Department of Education updated its list of programs qualifying for higher student-loan borrowing limits to include nearly 30 programs, such as nurse anesthetist and clinical psychology, effective July 1, 2024.
about 30 programs · programs qualifying for higher student-loan borrowing limits
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Citation-ready fact
The Department of Education previously proposed a narrower definition of 'professional' programs that would have allowed only 11 programs to qualify for a $200,000 lifetime student-loan borrowing limit, compared to the $100,000 cap for standard graduate programs.
11 programs · programs qualifying for higher student-loan borrowing limits under the narrower definition200000 USD · lifetime student-loan borrowing limit for professional programs100000 USD · lifetime student-loan borrowing limit for standard graduate programs
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The Department of Education stated it is confident the narrowed professional-degree definition is 'lawful and will continue to defend it' despite a court blocking its July 1 implementation.
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The Trump administration's repayment changes, signed into law in its 'big beautiful' spending legislation, include new repayment plans, limits on parent borrowing, and the transfer of millions of borrowers off the Biden-era SAVE income-driven repayment plan, effective July 1, 2024.
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Advanced nursing and dozens of other programs now qualify for higher student-loan limits when the Trump administration's sweeping repayment changes take effect tomorrow.

On Monday, the Department of Education issued an updated list of programs that would fall under its "professional" designation and qualify for higher student-loan borrowing limits.

It now includes nearly 30 programs, including nurse anesthetist and clinical psychology, that will meet the higher borrowing limit. The updated list, however, no longer includes theology programs, which previously qualified for the higher limit under the department's narrowed list.

It follows a court decision last week that blocked the department's professional degree definition from taking effect July 1, which would have allowed 11 programs to qualify for a $200,000 lifetime borrowing limit, compared to a $100,000 cap for graduate programs.

The department's narrower definition prompted widespread criticism for excluding certain programs, including advanced nursing, that lawmakers and advocates said required additional funding to help students complete their programs.

If the Trump administration ultimately prevails in court, the narrower definition could still take effect. If that happens, some programs now qualifying for the higher borrowing cap could again lose that status, leaving schools and students scrambling to adjust their financial plans.

The department said, alongside the updated list, that it's confident the narrowed definition is "lawful and will continue to defend it."

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"These interim administrative designations are provided solely to facilitate implementation of the Court's order and may change as litigation in the case proceeds," it said.

The borrowing caps are set to take effect July 1, alongside a host of other repayment changes that President Donald Trump signed into law in his "big beautiful" spending legislation. Those changes include new repayment plans, limits on parent borrowing, and the transfer of millions of borrowers off SAVE, a Biden-era income-driven repayment plan.

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