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Graduate Opportunity and Affordable Loans Act This bill limits federal student loan borrowing for graduate and professional students. Specifically, the bill terminates the ability of a graduate or professional student to receive a Direct PLUS Loan. Institutions of higher education (IHEs) must notify their prospective and enrolled graduate and professional students that Direct PLUS Loans terminate on June 30, 2025. Additionally, the bill establishes the aggregate loan limit for Direct Unsubsidized Loans as $65,000 for a graduate student (in addition to the amount borrowed for undergraduate education) and $130,000 for a professional student (in addition to the amount borrowed for undergraduate education). The bill allows IHEs to set lower loan limits.
Introduced
Jan 29, 2025
Last Action
Jan 29, 2025
Session
119th Congress
Sponsors
1 primary · 1 co
Passage Probability
2% — Very Low
Introduced in Senate
Read twice and referred to the Committee on Health, Education, Labor, and Pensions.
Get a plain-English explanation of what this bill does, who it affects, and why it matters.
2%
Estimate based on legislative signals
See what factors are driving this score — cosponsor support, bipartisan backing, committee progress, and more.
Upgrade to ProRead twice and referred to the Committee on Health, Education, Labor, and Pensions.