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Loan Equity for Advanced Professionals Act
To amend the Higher Education Act of 1965 to ensure that graduate and professional students have the same annual and aggregate limits for Federal Direct Unsubsidized Loans.
Summary
This bill would amend the Higher Education Act to increase Federal Direct Unsubsidized Loan limits for graduate and professional students. Beginning July 1, 2026, graduate and professional students would be able to borrow a maximum of $50,000 per academic year through Federal Direct Unsubsidized Stafford loans. The bill would also establish an aggregate borrowing limit of $200,000 for graduate and professional students, in addition to amounts borrowed for undergraduate education. These changes would apply to all graduate and professional programs covered under the specified provisions of the Higher Education Act.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Sponsor (1)
75 cosponsors
- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC)
- Del. Plaskett, Stacey E. [D-VI-At Large] (D-VI)
- Rep. Amo, Gabe [D-RI-1] (D-RI)
- Rep. Ansari, Yassamin [D-AZ-3] (D-AZ)
- Rep. Balint, Becca [D-VT-At Large] (D-VT)
- Rep. Barragán, Nanette Diaz [D-CA-44] (D-CA)
- Rep. Bell, Wesley [D-MO-1] (D-MO)
- Rep. Bynum, Janelle S. [D-OR-5] (D-OR)
- Rep. Carbajal, Salud O. [D-CA-24] (D-CA)
- Rep. Clarke, Yvette D. [D-NY-9] (D-NY)
- Rep. Cohen, Steve [D-TN-9] (D-TN)
- Rep. Craig, Angie [D-MN-2] (D-MN)
- Rep. Davids, Sharice [D-KS-3] (D-KS)
- Rep. Dean, Madeleine [D-PA-4] (D-PA)
- Rep. DelBene, Suzan K. [D-WA-1] (D-WA)
- Rep. Deluzio, Christopher R. [D-PA-17] (D-PA)
- Rep. Dexter, Maxine [D-OR-3] (D-OR)
- Rep. Dingell, Debbie [D-MI-6] (D-MI)
- Rep. Doggett, Lloyd [D-TX-37] (D-TX)
- Rep. Evans, Dwight [D-PA-3] (D-PA)
- Rep. Fields, Cleo [D-LA-6] (D-LA)
- Rep. Figures, Shomari [D-AL-2] (D-AL)
- Rep. Frankel, Lois [D-FL-22] (D-FL)
- Rep. Frost, Maxwell [D-FL-10] (D-FL)
- Rep. Garamendi, John [D-CA-8] (D-CA)
- Rep. Garcia, Sylvia R. [D-TX-29] (D-TX)
- Rep. Goldman, Daniel S. [D-NY-10] (D-NY)
- Rep. Goodlander, Maggie [D-NH-2] (D-NH)
- Rep. Grijalva, Adelita S. [D-AZ-7] (D-AZ)
- Rep. Hayes, Jahana [D-CT-5] (D-CT)
- Rep. Huffman, Jared [D-CA-2] (D-CA)
- Rep. Jackson, Jonathan L. [D-IL-1] (D-IL)
- Rep. Krishnamoorthi, Raja [D-IL-8] (D-IL)
- Rep. Landsman, Greg [D-OH-1] (D-OH)
- Rep. Larsen, Rick [D-WA-2] (D-WA)
- Rep. Larson, John B. [D-CT-1] (D-CT)
- Rep. Latimer, George [D-NY-16] (D-NY)
- Rep. Leger Fernandez, Teresa [D-NM-3] (D-NM)
- Rep. Levin, Mike [D-CA-49] (D-CA)
- Rep. Lieu, Ted [D-CA-36] (D-CA)
- Rep. Magaziner, Seth [D-RI-2] (D-RI)
- Rep. McClain Delaney, April [D-MD-6] (D-MD)
- Rep. McGarvey, Morgan [D-KY-3] (D-KY)
- Rep. McIver, LaMonica [D-NJ-10] (D-NJ)
- Rep. Mejia, Analilia [D-NJ-11] (D-NJ)
- Rep. Menendez, Robert [D-NJ-8] (D-NJ)
- Rep. Meng, Grace [D-NY-6] (D-NY)
- Rep. Min, Dave [D-CA-47] (D-CA)
- Rep. Moulton, Seth [D-MA-6] (D-MA)
- Rep. Nadler, Jerrold [D-NY-12] (D-NY)
- Rep. Peters, Scott H. [D-CA-50] (D-CA)
- Rep. Pingree, Chellie [D-ME-1] (D-ME)
- Rep. Raskin, Jamie [D-MD-8] (D-MD)
- Rep. Schrier, Kim [D-WA-8] (D-WA)
- Rep. Scott, David [D-GA-13] (D-GA)
- Rep. Sewell, Terri A. [D-AL-7] (D-AL)
- Rep. Sherman, Brad [D-CA-32] (D-CA)
- Rep. Simon, Lateefah [D-CA-12] (D-CA)
- Rep. Soto, Darren [D-FL-9] (D-FL)
- Rep. Stansbury, Melanie A. [D-NM-1] (D-NM)
- Rep. Strickland, Marilyn [D-WA-10] (D-WA)
- Rep. Subramanyam, Suhas [D-VA-10] (D-VA)
- Rep. Suozzi, Thomas R. [D-NY-3] (D-NY)
- Rep. Thanedar, Shri [D-MI-13] (D-MI)
- Rep. Thompson, Bennie G. [D-MS-2] (D-MS)
- Rep. Titus, Dina [D-NV-1] (D-NV)
- Rep. Tlaib, Rashida [D-MI-12] (D-MI)
- Rep. Tokuda, Jill N. [D-HI-2] (D-HI)
- Rep. Trahan, Lori [D-MA-3] (D-MA)
- Rep. Underwood, Lauren [D-IL-14] (D-IL)
- Rep. Velázquez, Nydia M. [D-NY-7] (D-NY)
- Rep. Vindman, Eugene Simon [D-VA-7] (D-VA)
- Rep. Whitesides, George [D-CA-27] (D-CA)
- Rep. Wilson, Frederica S. [D-FL-24] (D-FL)
- Rescom. Hernández, Pablo Jose [D-PR-At Large] (D-PR)
Actions (2)
- Dec 10, 2025 Referred to the House Committee on Education and Workforce. · house
- Dec 10, 2025 Introduced in House
Similar bills (6)
Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.
Full text
IN THE HOUSE OF REPRESENTATIVES
December 10, 2025
Mr. Kennedy of New York (for himself, Ms. Tokuda, and Mr. Figures) introduced the following bill; which was referred to the Committee on Education and Workforce
A BILL
To amend the Higher Education Act of 1965 to ensure that graduate and professional students have the same annual and aggregate limits for Federal Direct Unsubsidized Loans.
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the “Loan Equity for Advanced Professionals Act”.
SEC. 2. ANNUAL AND AGGREGATE LOAN LIMITS FOR GRADUATE AND PROFESSIONAL STUDENTS.
Section 455(a)(4) of the Higher Education Act of 1965 (20 U.S.C. 1087e(a)) is amended—
(1) by amending subparagraph (A) to read as follows:
“(A) Annual limits beginning july 1, 2026.—Subject to paragraphs (7)(A) and (8), beginning on July 1, 2026, the maximum annual amount of Federal Direct Unsubsidized Stafford loans, that a graduate student or professional student may borrow in any academic year or its equivalent, shall be $50,000.”; and
(2) by amending subparagraph (B) to read as follows:
“(B) Aggregate limits.—Subject to paragraphs (6),
(7)(A), and (8), beginning on July 1, 2026, the maximum aggregate amount of Federal Direct Unsubsidized Stafford loans, in addition to the amount borrowed for undergraduate education, that a graduate student or professional student may borrow for any program of study described in clause (i) or (ii) of subparagraph
(C) shall be $200,000.”. <all>
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