On April 30, 2026, the Department of Education released the “Reimagining and Improving Student Education: Federal Student Loan Program” final rule. The final rule limits how much a graduate and professional student may borrow annually and in aggregate. The limits are as follows for a graduate student: The limits are as follows for a professional student: Unfortunately, physical therapy, occupational therapy, and speech therapy programs are considered graduate degree programs. This means students enrolled in one of these programs are limited to borrowing $100,000 in aggregate for their entire college career. To read the final rule, click HERE. Stay tuned

H.R. 1 – One Big Beautiful Bill Act was signed into law on July 4, 2025 by President Trump. At the time, it extended payment by the Medicare program for outpatient therapy delivered via telehealth through September 30, 2025. However, one important piece of the legislation was overlooked until now. This Act, beginning on July 1, 2026, will limit how much a graduate student and professional student can borrow, both annually and in aggregate. Will this impact PT, OT, and SLP students? In this article, I will answer the following questions: