The Professional vs. Non-Professional Cliff
The proposed legislation creates two tiers: professional programs (law, medicine, etc.) get a $50,000 annual cap, while all other graduate programs get $20,500. This creates a dramatic cliff in which programs can cover costs.
Professional Programs ($50K cap)
6.9%
exceed the cap
56 of 817 programs | Avg per-student: $27,961
Non-Professional Programs ($20.5K cap)
36.7%
exceed the cap
2,282 of 6,221 programs | Avg per-student: $19,497
Click a histogram bar to see the top 10 programs in that borrowing range
Source: PPD program-level data. This is inherently a program-level question — no aggregation bias.