New Title IV borrowing limits are scheduled to take effect for graduate and professional students, reshaping how many students finance degrees in the coming year. Under the reported changes, new graduate borrowers would face a $20,500 annual cap and $100,000 aggregate cap, while professional students would face a $50,000 annual and $200,000 aggregate cap. The policy shift also limits how institutions can bridge funding gaps through Grad PLUS loans for new borrowers. Institutions are being urged to consider whether institutional loans can fill the difference while providing clear communication, timing, and targeted student support. The situation raises immediate questions for enrollment strategy, affordability planning, and institutional compliance for schools that depend on federal lending volumes for graduate enrollment pipelines.