Last Updated: November 17, 2025
Since Grad PLUS loans will end for new borrowers starting July 1, 2026, it’s a good idea to plan ahead now. Review your full program costs and how much you can borrow under the new federal limits, then explore private student loans early to understand your options.
If you’ll start your program before the cutoff, consider borrowing under current Grad PLUS rules while they’re still available. Also, check your credit and identify a potential cosigner if you may need a private loan in the future, this can help you secure the best rates and terms.