More than half of ABA‑accredited law schools charged full‑time tuition above $50,000 in 2024, and a new federal borrowing cap is forcing institutions and students to adapt. The $50,000 annual federal borrowing limit will leave many law students reliant on private loans or institutional scholarships to meet costs. Santa Clara University School of Law has already pledged guaranteed scholarships to bring tuition below the cap for incoming students. Deans, financial aid officers and registrars must redesign aid packaging and communicate realistic financing options to applicants. Expect private loan demand to rise, with attendant equity and access implications for borrowers who lack strong credit profiles.