Every year, thousands of dedicated Americans pursue graduate degrees in medicine, dentistry, law, and other essential professions. They sacrifice years of their lives and take on significant debt because they want to serve their communities as healthcare providers, public defenders, rural doctors, and more. 

A proposed bill in Congress threatens to slam the door shut on these dreams.

Now is the time to act before it is signed into law.

The "Big Beautiful Bill" that is about to go to the senate would eliminate the Grad PLUS loan program and cap graduate student borrowing at just $150,000 for their entire education career. This arbitrary limit ignores the reality of professional education costs:

 

The Math Doesn't Add Up:

• Medical School: $285,000 average (4 years tuition only)
• Dental School: $310,000 average (4 years tuition only)
• Law School: $151,000 average (3 years tuition only) 
• Physician Assistant Programs: $91,000 average (2 years tuition only)


These figures exclude living expenses, which add $20,000–$40,000 annually. Most professional students cannot work due to rigorous academic demands—many programs explicitly forbid outside employment.

This Policy Will Backfire Spectacularly 


It targets the wrong people. Graduate and professional students have the lowest default rates of any borrower group and generate net revenue for the federal government over their careers.

It will worsen critical shortages. We already face severe shortages of doctors, dentists, and lawyers—especially in rural and underserved communities. This policy will make those shortages catastrophic.

It betrays students already invested. Thousands have spent years preparing for these careers, often giving up other opportunities. Pulling the rug out now destroys lives and wastes human capital.

It will cost taxpayers more. Cutting off access to high-earning professions means less tax revenue long-term. The government loses when fewer people become doctors and lawyers.

What We Demand


• OPTION 1 - Congress must act immediately to: Eliminate or substantially raise the proposed $150,000 borrowing cap to reflect actual education costs 
• OPTION 2 - Grandfather all current and near-future students by protecting anyone accepted or enrolled in a professional program by October 1, 2028 to recieve the funding via current loan structures while also setting a congressional deadline by which lawmakers can agree upon a new and cost-effective system that supports and encourages students to enter professional programs rather than deter them.

 

The Stakes Are Too High


This isn't just about student loans—it's about whether America will have enough doctors to care for an aging population, enough dentists to serve rural communities, and enough public defenders to ensure justice.

We cannot afford to turn professional education into a privilege reserved only for the wealthy. 

Sign The Petition​

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Contact Your Representative

• Feel free to copy and paste the following message and send it to your congressional representatives via the link above

• Dear [Representative/Senator],

  I am writing to express serious concern about Section 30011 of the proposed "Big Beautiful Bill," which would cap professional student borrowing at $150,000.

  This arbitrary cap falls far short of actual professional education costs. Medical school tuition alone averages $285,000, and dental school costs $310,000. Thousands of students already years into their professional preparation would be unable to complete their education.

  This policy makes no fiscal sense.  Professional students have the lowest default rates of any federal loan recipients and generate substantial tax revenue throughout their careers. The government profits from these investments.

  More critically, this will worsen our healthcare crisis. We desperately need more doctors, especially in rural and underserved areas. This bill would drastically reduce the number of new healthcare providers entering the workforce.

  I urge you to oppose Section 30011 or, at minimum, support amendments that:

  Option 1: Raise the borrowing cap to reflect actual education costs
  Option 2: Grandfather all current and near-future students by protecting anyone accepted or enrolled in a professional program by October 1, 2028 to recieve the funding via current loan structures while also setting a congressional deadline by which lawmakers can agree upon a new and cost-effective system that supports and encourages students to enter professional programs rather than deter them.

  Our communities need these future doctors, dentists, and lawyers. Please don't make professional education accessible only to the wealthy.

Thank you for your consideration.

Our future healthcare providers, legal advocates, and community leaders need us to act now—before it's too late.

 

#FundFutureDocs  

#ProtectProfessionalEducation

#RaiseTheCap