5万一年,$200K终身上限就是2025年的大美法案通过的新规定

An Analysis of the One Big Beautiful Bill Act's Effect on ...

Under a recently passed federal law, federal student loan limits for professional degree programs, such as medicine and law, are capped at $50,000 per year and $200,000 total, effective July 1, 2026. 

所以是今年开始受到影响

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