Total borrowing is capped at $100,000 for grad study and $200,000 for professional study
What the document says“who is not (and has not been) a professional student, may borrow for programs of study described in subparagraph (C)(i) shall be $100,000; or”
The section caps, from July 1, 2026 and on top of undergraduate borrowing, total Federal Direct Unsubsidized Stafford loans at $100,000 for a graduate student who has never been a professional student, and $200,000 for a professional student who has never been a graduate student. A student who has been both is capped at $200,000 less what they borrowed for the other kind of program.
What the document actually says“who is not (and has not been) a professional student, may borrow for programs of study described in subparagraph (C)(i) shall be $100,000; or”
A grad student may borrow up to $100,000 in all. That is for grad study.
That holds for a student who was never a pro student. A pro student's cap is $200,000. A student who was both shares the higher cap.
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