Reply to FAFSA and Medical School loan availability (Fall 2026)

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[quote=Anonymous]My DD will be going to medical school in the Fall of 2026. She recently received her acceptance. Her med school told her to fill out the FAFSA.

She's filled out her FAFSA, added the med school she'll be going to, and received a "ruling" that she will get up to $20,500 yearly cap (even though this cap is only for grad students and not medical students). The annual cap for med school students (and other professional schools) is $50k/year with a total cap of $200k. GradPLUs loans are being eliminated beginning 7/1/2026, and everything over $50k will be addressed via private loans. Her tuition is $55k/year with a COA total of $75k/ year. We will be helping her with the overage of $25k/year (gifting).

I realize that the BBB imposed these professional school caps for professional schools beginning after 7/1/2026. I also assume that the $20,500 cap notice she received may be incorrect.

My DD has been working full-time for the past 1.5 years and filed her own taxes this past April. We did not claim her on our taxes.

Questions:

- Should she contact FAFSA and have them correct the professional school "ruling"?
- When should she apply for the Federal loans?

Thanks.[/quote]

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