11/25/2025
The Department of Education (ED) is moving forward with new rules that will fundamentally change how graduate students finance their education.
Under the rule ED will propose, master’s and doctoral occupational therapy programs are not classified as professional programs, but instead as graduate programs. “Graduate programs” will have a $20,500 annual limit, with a $100,000 total cap, while programs defined as “Professional programs” will have a $50,000 annual limit, and $200,000 total cap. This means that future OT students would be subject to a significantly lower loan limits.
Occupational therapy master’s and doctoral programs not listed as “professional programs,” limiting federal loan options under new borrowing caps.