# 119-s-308: Graduate Opportunity and Affordable Loans Act

119-s-308, Graduate Opportunity and Affordable Loans Act, is a 119th Congress bill sponsored by Sen. Tuberville, Tommy [R-AL] (R-AL); status introduced; PRIA reads it as touching household money (as of 2025-12-21).

- Canonical: https://policyrisk.com/legislation/119-s-308
- As of: 2025-12-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-308
- Congress: 119
- Title: Graduate Opportunity and Affordable Loans Act
- Status: introduced
- Introduced: 2025-01-29
- Sponsor: Sen. Tuberville, Tommy [R-AL] (R-AL)
- Cosponsors: 1
- Policy area: Education
- Touches household money: yes
- Last recorded action: 2025-12-21

## Summary

**Limit federal borrowing for graduate and professional students.** This bill would end graduate and professional Direct PLUS Loans and impose new annual and aggregate caps on Direct Unsubsidized Stafford loans for those students. - Graduate students (non‑professional) could borrow up to $20,500 per academic year and up to $65,000 in total in Direct Unsubsidized Stafford loans, in addition to any undergraduate borrowing. - Professional students could borrow up to $40,500 per academic year and up to $130,000 in total in Direct Unsubsidized Stafford loans, in addition to any undergraduate borrowing. - A phase‑out preserves prior loan limits for certain borrowers who received disbursements in the 2024-2025 award year and who do not graduate before the 2025-2026 award year. - Institutions of higher education would have to notify prospective and enrolled graduate and professional students that Direct PLUS Loans end June 30, 2025, and may set lower or prorated loan limits for programs beginning July 1, 2025.

## Cosponsors (1)

- Sen. Cassidy, Bill [R-LA] (R-LA), 2025-01-29T00:00:00.000Z

## Provisions PRIA read

- New graduate loan limits: cost, high. If enacted, graduate students could borrow up to $20,500 per academic year. Professional students could borrow up to $40,500 per academic year. These limits would begin July 1, 2025. Total federal graduate borrowing would be capped at $65,000 for graduate (non‑professional) students and $130,000 fo…
- Graduate PLUS loans end: cost, medium. If enacted, the bill would bar Federal Direct PLUS Loans for graduate and professional students for any program that begins on or after July 1, 2025. Institutions would have to notify prospective and enrolled graduate and professional students, within 30 days after enactment, that PLUS loans end on…
- Schools can limit loan amounts: mixed, low. If enacted, schools could prorate or limit unsubsidized Stafford loan amounts for programs that start on or after July 1, 2025. The school's financial aid administrator would decide whether to apply a proration or limit. Any proration or limit must apply the same way to all students entering that p…

## Related bills

- 119-s-4744: Take Care of America’s Veterans Act
- 119-s-2121: SUPPORT for Patients and Communities Reauthorization Act of 2025
- 119-s-1748: Kids Online Safety Act
- 119-s-292: Educational Choice for Children Act of 2025
- 119-s-124: Restore VA Accountability Act of 2025
- 119-s-3752: SAVE America Act

## Sources
- [119-s-308 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/308)

## Related
- [119-s-4744: Take Care of America’s Veterans Act](https://policyrisk.com/legislation/119-s-4744)
- [119-s-2121: SUPPORT for Patients and Communities Reauthorization Act of 2025](https://policyrisk.com/legislation/119-s-2121)
- [119-s-1748: Kids Online Safety Act](https://policyrisk.com/legislation/119-s-1748)
- [119-s-292: Educational Choice for Children Act of 2025](https://policyrisk.com/legislation/119-s-292)
- [119-s-124: Restore VA Accountability Act of 2025](https://policyrisk.com/legislation/119-s-124)
- [119-s-3752: SAVE America Act](https://policyrisk.com/legislation/119-s-3752)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-308 (as of 2025-12-21).