What Professional Programs Are at UD?

Last updated on July 16, 2026

Based on federal guidance, at the University of Dayton, the J.D. program within the School of Law meets the definition of "Professional."

The term "professional" is only a distinction for loan eligibility purposes and does not reflect the academic expertise or rigor of a program.

All other programs are considered "graduate" level for federal loan eligibility.


Update on Federal Student Aid Guidance

The University of Dayton is issuing an update regarding potential federal loan eligibility increases for new students in two graduate level programs following legal decisions related to the One Big Beautiful Bill Act (OB3).

On June 23, 2026 a federal court order stayed, or temporarily halted, key parts of the U.S. Department of Education's narrowed professional degree definition. While the department is appealing the ruling, it issued guidance clarifying how schools can treat professional degree programs for loan limit purposes. The guidance includes an updated list of programs temporarily eligible for higher professional degree program loan limits.

Two University of Dayton programs not impacted by the original rule change are now included as professional degree programs – the doctor of physical therapy program and the master's of physician assistant practice. Although these programs are now temporarily eligible for higher loan limits, the University is closely monitoring the legal proceedings before increasing federal loan eligibility for new students in these academic programs.

While we understand concerns about federal funding eligibility, the University made this decision because of legal uncertainty about the new guidance and the risk of future harm for student borrowers and the University if final court rulings affirm the original professional degree definition. Under the original OB3, a program was not classified as a professional degree program if graduates were required to work under another professional's supervision.

Current and prospective students should continue working with their program and financial aid offices regarding financial aid planning. Because the litigation is ongoing, additional developments are possible in the coming weeks and months.


Frequently Asked Questions

What is the current guidance about professional programs?

On June 23, a federal court order stayed, or temporarily halted, key parts of the U.S. Department of Education's professional degree definition. While the department is appealing the ruling, it issued guidance clarifying how schools can treat professional degree programs for loan limit purposes. The guidance includes an updated list of programs temporarily eligible for higher professional degree program loan limits.

What are the UD programs now included as professional degree programs under the interim decision?

In addition to the J.D. program, the doctor of physical therapy program (DPT) and the master's of physician assistant practice (MPAP) are now included as professional programs. Because this is an interim decision that is being appealed, the University will closely monitor court proceedings and update federal loan eligibility once finalized.

Does this affect students who are already enrolled in these academic programs?

The professional degree definition is applicable to students who borrow federal loans for their programs for the first time after July 1, 2026. OB3 provided a "legacy provision" for students enrolled/borrowing for their programs prior to July 1 to continue accessing Grad PLUS loans.

Does the federal court stay change UD’s current professional program federal loan awarding policy following the passage of OB3?

No. The University will not provide increased federal loan eligibility based on this temporary legal decision. The University will closely monitor court proceedings and provide updated information as it is available. While we understand concerns about not changing federal loan award amounts, the University made this decision because of legal uncertainty about the new guidance and the risk of future harm for student borrowers and the University if final court rulings affirm the original professional degree definition.

What are the distinctions between graduate and professional degree programs for Direct Unsubsidized loan limits?

Professional degree program students can borrow up to $50,000 annually and $200,000 in the aggregate, while graduate students may borrow up to $20,500 annually with an aggregate limit of $100,000.

What sources of funding can I explore?

What happens if I borrow private loans and increased eligibility for federal student loans is confirmed through these court proceedings?

Once final determinations are made about the definition of a professional student, the University will work with students to assess their desire to increase federal student loans to the new limit and reduce other forms of loans that may have been borrowed.



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