A separate analysis shows how the new graduate student borrowing limits are pushing colleges to adjust—sometimes by cutting tuition and altering program requirements. In the case highlighted by UC Irvine, universities are reengineering curricula, reducing required credits, and making certain experiences optional to keep total program prices within federal loan thresholds. The broader question for higher education leaders is whether enrollment losses will follow as students hit borrowing ceilings in fields labeled “professional” versus those in other disciplines. The tuition-cut approach suggests institutions are actively engineering affordability, but it also raises concerns about how reduced program components may affect educational experience and long-term student outcomes. This pricing pressure is emerging at the same time that universities must balance ongoing cost uncertainty, political scrutiny, and competition for high-value learners.