Why PSLF Could Die By the Mid-2030s

The One Big Beautiful Bill didn't kill PSLF outright, but once you run the numbers on the new borrowing limits and the Repayment Assistance Plan (RAP), the financial incentive for Public Service Loan Forgiveness essentially evaporates for future borrowers. I walk through exactly how this plays out for physicians, PAs, NPs, teachers, lawyers, and other professions — and why existing borrowers are grandfathered in but should still pay attention.

I also break down what the new math means for private universities, which degrees still pencil out financially, and a critical deadline for Parent PLUS borrowers that could affect your ability to retire.

Key moments:

(03:57) How the new $50K/year loan cap makes PSLF nearly worthless for physicians entering med school this fall

(07:51) Second-year students are grandfathered in and can borrow Grad PLUS to finish their program

(09:18) How lower borrowing limits gut PSLF for NPs, PAs, teachers, and lawyers

(16:09) The Parent PLUS consolidation deadline before July 2026, and why waiting too long could make income-based repayment permanently inaccessible

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