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If you wake up in the morning feeling like a “Professional”, I have some questions about your identity. In this episode, Zoe will be talking about what she believes the real problem is with the educational loan caps enacted in the One Big Beautiful Bill from the perspective of the medical journey. If you’re someone who knows how to read legislation, you can find the OBBB here [https://www.congress.gov/bill/119th-congress/house-bill/1/text]. I am not. I know of a podcaster by the name of Jennifer Briney who has built a career of watching C-SPANN so you can also listen to her give a two [https://congressionaldish.com/cd320-one-big-beautiful-bill-a-dangerous-law/] part [https://congressionaldish.com/cd321-one-big-beautiful-bill-the-money/] rundown. I just focused on the federal loan caps for education. As far as student loans data is concerned, Education Data Initiative [https://educationdata.org], US News & World Report [https://www.usnews.com/education/best-colleges/paying-for-college/articles/see-how-student-loan-borrowing-has-changed], and the Center on Budget and Policy Priorities [https://www.cbpp.org/research/state-budget-and-tax/state-higher-education-funding-cuts-have-pushed-costs-to-students#_ftn1] were my main sources. And good ol’ studentaid.gov [http://studentaid.gov] spelled out the current federal aid funding available to students. Ivywise [https://www.ivywise.com/blog/us-vs-uk-college-costs/] told me a bit about financing for university in the UK. I asked Merriam-Webster [https://www.merriam-webster.com/dictionary/professional] what the definition of “professional” is. And obviously reddit its thoughts on medical school loans: How much is everyone realistically pulling out for loans for med school? [https://www.reddit.com/r/premed/comments/1bq3f3c/how_much_is_everyone_realistically_pulling_out/] The average debt thing makes no sense to me [https://www.reddit.com/r/medicalschool/comments/14ppdj8/the_average_debt_thing_makes_no_sense_to_me/] Are med students really in this much debt??? [https://www.reddit.com/r/whitecoatinvestor/comments/1jayeai/are_med_students_really_in_this_much_debt/] I’m looking at 560k debt after graduating medical school. What specialties can I reasonably work and pay off my loans? [https://www.reddit.com/r/whitecoatinvestor/comments/1l6gwws/im_looking_at_560k_debt_after_graduating_medical/] And because I’m an APA girl at heart, this is the study on Title IV eligible versus non-eligible for-profit schools (aka DeVry, Phoenix, Kaplan Universities) - pretend there’s a hanging line: Cellini, S. R., & Goldin, C. (2014). Does federal student aid raise tuition? New evidence on for-profit colleges. American Economic Journal: Economic Policy, 6(4), 174-206. And the list of resources at the end of my notes which may be redundant to above but it’s important I don’t miss anything because plagiarism is the eighth deadly sin (or maybe the first, depending on who you ask): Key Changes to Federal Student Loans Made in the Recent One Big Beautiful Bill Act [https://sfs.harvard.edu/2025-changes-federal-student-loans] NAICU - Frequently Asked Questions About the One Big Beautiful Bill Act [https://www.naicu.edu/policy-advocacy/advocacy-resources/reconciliation-advocacy-center/frequently-asked-questions-about-the-one-big-beautiful-bill-act/] Subsidized and Unsubsidized Loans | Federal Student Aid [https://studentaid.gov/understand-aid/types/loans/subsidized-unsubsidized] University of Connecticut Tuition and Fees | SoFi [https://www.sofi.com/university-of-connecticut-tuition-and-fees/#:~:text=The%20UConn%20cost%20for%20four,is%20$115%2C360%20for%20four%20years.] Average Cost of College Over Time: Yearly Tuition Since 1970 [https://educationdata.org/average-cost-of-college-by-year] How Much Student Loan Debt Does the Average College Graduate Have? [https://www.usnews.com/education/best-colleges/paying-for-college/articles/see-how-student-loan-borrowing-has-changed] U.S. vs. U.K. College Costs | IvyWise [https://www.ivywise.com/blog/us-vs-uk-college-costs/] How much does a university degree cost and is it worth it? [https://www.bbc.com/news/articles/cwyegp0dnq9o] College 'sticker prices' have risen dramatically. Here's why : NPR [https://www.npr.org/2025/11/20/nx-s1-5600854/college-costs-have-risen-dramatically-in-the-last-20-years-heres-why] Cellini, S. R., & Goldin, C. (2014). Does federal student aid raise tuition? New evidence on for-profit colleges. American Economic Journal: Economic Policy, 6(4), 174-206. Trustees approve 2026 budget, frozen base tuition for main campus and no increase for Indiana residents at Purdue Northwest and Purdue Fort Wayne for 2025-26, 2026-27 [https://www.purdue.edu/newsroom/2025/Q2/trustees-approve-2026-budget-frozen-base-tuition-for-main-campus-and-no-increase-for-indiana-residents-at-purdue-northwest-and-purdue-fort-wayne-for-2025-26-2026-27/] The Hidden Costs of College: Why Tuition Keeps Rising [https://meetpaidly.com/blog/understanding-rising-college-costs] State Higher Education Funding Cuts Have Pushed Costs to Students, Worsened Inequality | Center on Budget and Policy Priorities [https://www.cbpp.org/research/state-budget-and-tax/state-higher-education-funding-cuts-have-pushed-costs-to-students#_ftn1] Average Medical School Debt [2025]: Student Loan Statistics [https://educationdata.org/average-medical-school-debt] How Much Does It Cost To Become A Doctor In The UK? - Study Medicine Europe [https://www.studymedicineeurope.com/article/how-much-does-it-cost-to-become-a-doctor-in-the-uk] How much is everyone realistically pulling out for loans for med school? : r/premed [https://www.reddit.com/r/premed/comments/1bq3f3c/how_much_is_everyone_realistically_pulling_out/] Financial Aid for 2026 Incoming Health Professional Students Post-OBBB [https://www.studentdoctor.net/2025/12/11/financial-aid-for-2026-incoming-health-professional-students-post-obbb/#:~:text=Reduced%20Access%20for%20Low%2DIncome,students%20and%20students%20of%20color.] Analyzing the Effects of the OBBB's Student Loan Limits on Tuition - AAF [https://www.americanactionforum.org/research/analyzing-the-effects-of-the-obbbs-student-loan-limits-on-tuition/#:~:text=This%20research%20analyzes%20the%20effects,loan%20limits%20for%20these%20programs.] Source of the stat that female-dominated fields get paid less because they are female-dominated: Rich Girl Nation by Katie Gatti Tassin This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit aftermash.substack.com [https://aftermash.substack.com?utm_medium=podcast&utm_campaign=CTA_1]
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