# 119-hr-6574: Loan Equity for Advanced Professionals Act

119-hr-6574, Loan Equity for Advanced Professionals Act, is a 119th Congress bill sponsored by Rep. Kennedy, Timothy M. [D-NY-26] (D-NY); status introduced; PRIA reads it as touching household money (as of 2026-09-21).

- Canonical: https://policyrisk.com/legislation/119-hr-6574
- As of: 2026-09-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-6574
- Congress: 119
- Title: Loan Equity for Advanced Professionals Act
- Status: introduced
- Introduced: 2025-12-10
- Sponsor: Rep. Kennedy, Timothy M. [D-NY-26] (D-NY)
- Cosponsors: 77
- Policy area: Education
- Touches household money: yes
- Last recorded action: 2026-09-21

## Summary

**The Hook:** **Caps federal graduate and professional Unsubsidized Stafford borrowing at $50,000 per year and $200,000 in total.** This bill would set explicit annual and aggregate limits for Federal Direct Unsubsidized Stafford loans for graduate and professional students, effective July 1, 2026. The Impact: - Graduate and professional students: Would be limited to a maximum of $50,000 in Unsubsidized Stafford loans per academic year and $200,000 in aggregate for graduate and professional study, subject to specified statutory exceptions. - Students with prior undergraduate borrowing: The $200,000 aggregate cap includes amounts borrowed for undergraduate education, so past undergraduate loans would count toward the new cap.

## Cosponsors (77)

- Rep. Tokuda, Jill N. [D-HI-2] (D-HI), 2025-12-10T00:00:00.000Z
- Rep. Figures, Shomari [D-AL-2] (D-AL), 2025-12-10T00:00:00.000Z
- Rep. Landsman, Greg [D-OH-1] (D-OH), 2025-12-11T00:00:00.000Z
- Rep. Tlaib, Rashida [D-MI-12] (D-MI), 2025-12-11T00:00:00.000Z
- Rep. Thanedar, Shri [D-MI-13] (D-MI), 2025-12-11T00:00:00.000Z
- Rep. Fields, Cleo [D-LA-6] (D-LA), 2025-12-11T00:00:00.000Z
- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC), 2025-12-11T00:00:00.000Z
- Rep. McIver, LaMonica [D-NJ-10] (D-NJ), 2025-12-15T00:00:00.000Z
- Rep. Latimer, George [D-NY-16] (D-NY), 2025-12-15T00:00:00.000Z
- Rep. Simon, Lateefah [D-CA-12] (D-CA), 2025-12-15T00:00:00.000Z
- Rep. Goldman, Daniel S. [D-NY-10] (D-NY), 2025-12-16T00:00:00.000Z
- Rep. DelBene, Suzan K. [D-WA-1] (D-WA), 2025-12-16T00:00:00.000Z
- Rep. Subramanyam, Suhas [D-VA-10] (D-VA), 2025-12-16T00:00:00.000Z
- Rep. Meng, Grace [D-NY-6] (D-NY), 2025-12-16T00:00:00.000Z
- Del. Plaskett, Stacey E. [D-VI-At Large] (D-VI), 2025-12-16T00:00:00.000Z
- Rep. Dingell, Debbie [D-MI-6] (D-MI), 2025-12-16T00:00:00.000Z
- Rep. Pingree, Chellie [D-ME-1] (D-ME), 2025-12-16T00:00:00.000Z
- Rep. Titus, Dina [D-NV-1] (D-NV), 2025-12-16T00:00:00.000Z
- Rep. Evans, Dwight [D-PA-3] (D-PA), 2025-12-16T00:00:00.000Z
- Rescom. Hernández, Pablo Jose [D-PR-At Large] (D-PR), 2025-12-17T00:00:00.000Z
- Rep. Craig, Angie [D-MN-2] (D-MN), 2025-12-17T00:00:00.000Z
- Rep. Leger Fernandez, Teresa [D-NM-3] (D-NM), 2025-12-17T00:00:00.000Z
- Rep. Velázquez, Nydia M. [D-NY-7] (D-NY), 2025-12-17T00:00:00.000Z
- Rep. Garcia, Sylvia R. [D-TX-29] (D-TX), 2025-12-17T00:00:00.000Z
- Rep. Bynum, Janelle S. [D-OR-5] (D-OR), 2025-12-19T00:00:00.000Z
- Rep. Krishnamoorthi, Raja [D-IL-8] (D-IL), 2025-12-19T00:00:00.000Z
- Rep. Schrier, Kim [D-WA-8] (D-WA), 2025-12-19T00:00:00.000Z
- Rep. Barragán, Nanette Diaz [D-CA-44] (D-CA), 2025-12-19T00:00:00.000Z
- Rep. Lieu, Ted [D-CA-36] (D-CA), 2026-01-06T00:00:00.000Z
- Rep. Scott, David [D-GA-13] (D-GA), 2026-01-08T00:00:00.000Z
- Rep. Amo, Gabe [D-RI-1] (D-RI), 2026-01-12T00:00:00.000Z
- Rep. Grijalva, Adelita S. [D-AZ-7] (D-AZ), 2026-01-12T00:00:00.000Z
- Rep. Trahan, Lori [D-MA-3] (D-MA), 2026-01-12T00:00:00.000Z
- Rep. Davids, Sharice [D-KS-3] (D-KS), 2026-01-13T00:00:00.000Z
- Rep. Nadler, Jerrold [D-NY-12] (D-NY), 2026-01-13T00:00:00.000Z
- Rep. Clarke, Yvette D. [D-NY-9] (D-NY), 2026-01-14T00:00:00.000Z
- Rep. Raskin, Jamie [D-MD-8] (D-MD), 2026-01-30T00:00:00.000Z
- Rep. Larsen, Rick [D-WA-2] (D-WA), 2026-02-02T00:00:00.000Z
- Rep. Suozzi, Thomas R. [D-NY-3] (D-NY), 2026-02-02T00:00:00.000Z
- Rep. Min, Dave [D-CA-47] (D-CA), 2026-02-04T00:00:00.000Z
- Rep. Deluzio, Christopher R. [D-PA-17] (D-PA), 2026-02-09T00:00:00.000Z
- Rep. Frankel, Lois [D-FL-22] (D-FL), 2026-02-10T00:00:00.000Z
- Rep. Soto, Darren [D-FL-9] (D-FL), 2026-02-11T00:00:00.000Z
- Rep. Peters, Scott H. [D-CA-50] (D-CA), 2026-02-11T00:00:00.000Z
- Rep. Hayes, Jahana [D-CT-5] (D-CT), 2026-02-11T00:00:00.000Z
- Rep. Jackson, Jonathan L. [D-IL-1] (D-IL), 2026-02-17T00:00:00.000Z
- Rep. Carbajal, Salud O. [D-CA-24] (D-CA), 2026-02-20T00:00:00.000Z
- Rep. Balint, Becca [D-VT-At Large] (D-VT), 2026-02-23T00:00:00.000Z
- Rep. Huffman, Jared [D-CA-2] (D-CA), 2026-02-23T00:00:00.000Z
- Rep. Garamendi, John [D-CA-8] (D-CA), 2026-02-25T00:00:00.000Z
- Rep. Larson, John B. [D-CT-1] (D-CT), 2026-02-25T00:00:00.000Z
- Rep. Vindman, Eugene Simon [D-VA-7] (D-VA), 2026-03-03T00:00:00.000Z
- Rep. Cohen, Steve [D-TN-9] (D-TN), 2026-03-03T00:00:00.000Z
- Rep. Moulton, Seth [D-MA-6] (D-MA), 2026-03-12T00:00:00.000Z
- Rep. Strickland, Marilyn [D-WA-10] (D-WA), 2026-03-16T00:00:00.000Z
- Rep. Magaziner, Seth [D-RI-2] (D-RI), 2026-03-16T00:00:00.000Z
- Rep. Dexter, Maxine [D-OR-3] (D-OR), 2026-03-24T00:00:00.000Z
- Rep. Stansbury, Melanie A. [D-NM-1] (D-NM), 2026-03-26T00:00:00.000Z
- Rep. McClain Delaney, April [D-MD-6] (D-MD), 2026-04-09T00:00:00.000Z
- Rep. Sherman, Brad [D-CA-32] (D-CA), 2026-04-16T00:00:00.000Z
- Rep. Frost, Maxwell [D-FL-10] (D-FL), 2026-04-21T00:00:00.000Z
- Rep. Whitesides, George [D-CA-27] (D-CA), 2026-04-27T00:00:00.000Z
- Rep. Doggett, Lloyd [D-TX-37] (D-TX), 2026-04-27T00:00:00.000Z
- Rep. Ansari, Yassamin [D-AZ-3] (D-AZ), 2026-04-27T00:00:00.000Z
- Rep. Thompson, Bennie G. [D-MS-2] (D-MS), 2026-04-30T00:00:00.000Z
- Rep. Sewell, Terri A. [D-AL-7] (D-AL), 2026-04-30T00:00:00.000Z
- Rep. Underwood, Lauren [D-IL-14] (D-IL), 2026-05-04T00:00:00.000Z
- Rep. Dean, Madeleine [D-PA-4] (D-PA), 2026-05-04T00:00:00.000Z
- Rep. Wilson, Frederica S. [D-FL-24] (D-FL), 2026-05-12T00:00:00.000Z
- Rep. Bell, Wesley [D-MO-1] (D-MO), 2026-05-19T00:00:00.000Z
- Rep. McGarvey, Morgan [D-KY-3] (D-KY), 2026-05-20T00:00:00.000Z
- Rep. Mejia, Analilia [D-NJ-11] (D-NJ), 2026-05-22T00:00:00.000Z
- Rep. Levin, Mike [D-CA-49] (D-CA), 2026-05-29T00:00:00.000Z
- Rep. Goodlander, Maggie [D-NH-2] (D-NH), 2026-07-09T00:00:00.000Z
- Rep. Menendez, Robert [D-NJ-8] (D-NJ), 2026-07-13T00:00:00.000Z
- Rep. Waters, Maxine [D-CA-43] (D-CA), 2026-08-03T00:00:00.000Z
- Rep. Schakowsky, Janice D. [D-IL-9] (D-IL), 2026-09-16T00:00:00.000Z

## Provisions PRIA read

- New caps on federal grad loans: cost, high. This bill would set borrowing caps for graduate and professional students using Federal Direct Unsubsidized Stafford loans. Starting July 1, 2026, you could borrow up to $50,000 per academic year (or its equivalent). Your total for graduate/professional study could not exceed $200,000, not counting…

## Related bills

- 119-hr-7973: Momnibus Act
- 119-hr-15: Equality Act
- 119-hr-1589: American Dream and Promise Act of 2025
- 119-hr-2763: American Family Act
- 119-hr-17: Paycheck Fairness Act
- 119-hr-14: John R. Lewis Voting Rights Advancement Act of 2025

## Sources
- [119-hr-6574 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/6574)

## Related
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-15: Equality Act](https://policyrisk.com/legislation/119-hr-15)
- [119-hr-1589: American Dream and Promise Act of 2025](https://policyrisk.com/legislation/119-hr-1589)
- [119-hr-2763: American Family Act](https://policyrisk.com/legislation/119-hr-2763)
- [119-hr-17: Paycheck Fairness Act](https://policyrisk.com/legislation/119-hr-17)
- [119-hr-14: John R. Lewis Voting Rights Advancement Act of 2025](https://policyrisk.com/legislation/119-hr-14)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-6574 (as of 2026-09-21).