: New federal limits have been introduced, topping out at $100,000 for graduate students and $200,000 for professional programs.

Your goal should be to minimize borrowing by exhausting every non-repayable option first.

Getting through university or college shouldn't feel like a high-stakes gamble with your financial future. As we navigate the 2026 landscape, student funding has evolved with new federal regulations and a tighter labor market. Whether you're a high school senior or a grad student, building a "complete funding plan" is essential. 1. The Big Shift: Understanding New Federal Regulations