It’s funny how miracles happen when the government stops handing out blank checks, right? For years now, law schools like Santa Clara have hiked their tuition year after year, milking the federal Grad PLUS loan system like it was a cow. Hey, why not? After all, when students can borrow unlimited money with taxpayers backing their choices, there’s absolutely no reason for schools to show any restraint whatsoever.
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It’s almost like higher ed’s entire business model was built on endless government loans.
Turns out the “gold mine” of horrific academia debt was actually grad school.
In 2023, The Century Foundation and American Enterprise Institute — left- and right-leaning think tanks, respectively — teamed up on a report with an education consultancy calling for “reasonable” limits on Grad PLUS loans. The loans currently carry no borrowing limits beyond total cost of attendance, a figure determined by the institutions.
The report found the median total Grad PLUS debt for borrowers who graduated more than doubled, from $21,800 at the program’s inception to $57,800 in the 2019-20 academic year. Total median debt for these graduates, meanwhile, soared from $22,400 in the 1995-96 academic year to $70,300 in 2019-20.
The report ultimately questioned whether expanding numbers of graduate programs “are worth the federal aid dollars they’re receiving, and if they are being created to chase those federal dollars.”
But now, thanks to unearthing the scam, things are changing. Suddenly, thanks to new federal loan caps creeping up in 2026, Santa Clara Law has generously announced a $50,000 tuition price tag. That’s down from the projected $63,000. Oddly enough, this now conveniently matched the new $50K borrowing limit.
Santa Clara is one of the first law schools to publish 2026-27 tuition. Historically, Grad PLUS loans have had no limits. Starting next year, professional school borrowing will be capped at $50k/year. Notice anything about the trend in tuition? I expect many schools to copy this.
$50k tuition is net after a new, renewable and guaranteed $16k scholarship for all students. The student loan cap is explicitly referenced in the release.
Santa Clara is one of the first law schools to publish 2026-27 tuition. Historically, Grad PLUS loans have had no limits. Starting next year, professional school borrowing will be capped at $50k/year. Notice anything about the trend in tuition?
I expect many schools to copy this. pic.twitter.com/9CDzYERdIB— John Arnold (@JohnArnoldFndtn) October 13, 2025
Things that make you go hmmm…
The school’s press release tries to dress this up as some feel-good “PLEDGE Scholarship” that guarantees $16,000 in annual aid to every full-time student. Nice try. But if you read between the lines, the scholarship is just a label for a “price correction” they were forced to make now that the loan gravy train is over.
As we mentioned earlier, grad school is a never-ending sinkhole of potential debt. According to experts, the biggest misconception about student loan debt is that it comes from the undergrads. The ol’ “college kids with useless degrees” debate always grabs the spotlight. Sure, that argument has some serious teeth, but the truth is, most of the debt mountain actually comes from grad school… and the Grad PLUS program made it possible. This allowed students to borrow unlimited amounts… literally unlimited… for everything from law to social work to gender studies and even ancient tampon weaving. Just kidding, but maybe not…
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There were no caps and no oversight, just endless taxpayer-backed loans for many programs with zero return on investment. It was one big scam, and universities and our beloved politicians knew it.
Uncle Sam was the sucker with his wallet wide open for anyone with an “educational itch.”
But now that the government’s finally putting a $50K cap on those loans, suddenly law schools like Santa Clara are finding “creative” ways to make tuition magically affordable. What a coincidence, right?
This X post really sums this scam up perfectly.
Wow, it’s almost like making unlimited federal loans available for universities allowed them to continually raise prices with no responsibility https://t.co/ZHIJu7FbTj
— Inez Stepman ⚪️🔴⚪️ (@InezFeltscher) October 13, 2025
These schools weren’t expanding out of demand or academic innovation, were they? No. They were expanding to chase the big government gravy train. Grad PLUS turned higher education into a taxpayer-funded hustle, where universities hiked up tuition, invented goofy programs, and cashed in on those sweet guaranteed loans.
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Now that the $50K cap is coming, watch how fast their so-called innovation turns into budget reform.
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