Department of Education "Professional" Definition Changes
CTAMFT Community,
As many of you already know, the Department of Education has a negotiated draft rule that does not include MFTs, as well as MHCs, SWs and many other professions, as under a “professional degree” definition. This change would limit MFT students to a loan cap of $20,500 rather than $50,000 a year.
CTAMFT wants you to know that this is federal action. AAMFT, our national professional organization, has been actively advocating for the inclusion of MFTs in the professional degree definition throughout the rulemaking process, including joining coalitions of health professionals advocating for a more expansive definition of professional degree.
We have linked here two coalition statements AAMFT has signed on to within the last month that urge the Department of Education to classify MFT degrees and other healthcare degrees under a more inclusive professional degree definition.
https://aamft.informz.net/admin31/content/l.asp?u=1068586661&m=12161942&s=70701&p=2493&ln=previous%20eNews%20article&l=http://aamft.informz.net/AAMFT/data/images/eNews/Session%202%20of%20RISE%20Committee%20Sign%20On%202025.10.31.pdf
https://aamft.informz.net/admin31/content/l.asp?u=1068586661&m=12161942&s=70701&p=2493&ln=Coalition%20of%20Providers&l=http://aamft.informz.net/AAMFT/data/images/eNews/PARCA%20Letter%20on%20Professional%20Degree%20Programs%20for%20H.R.%201%20Implementation.pdf
The Department of Education (ED) is moving forward with draft rules that will fundamentally change how graduate students finance their education. Under the rule ED will propose, many healthcare professions are not classified as professional programs, but instead as graduate programs. "Graduate programs" will have a $20,500 annual limit, with a $100,000 total cap, while programs defined as "professional programs" will have a $50,000 annual limit, and $200,000 total cap. This means that many students, including MFT students, would be subject to significantly lower loan limits. This change will take effect on July 1, 2026, and will apply to new borrowers.
The ED is expected to open this proposed rule up for public comment early next year, most likely in January. AAMFT and many other healthcare associations will be submitting public comments to ED on this proposed rule. AAMFT will alert members once the public comment period begins.
We want you to know that there is action you can take NOW on this matter. We are asking all MFTs, student MFTs and even prospective MFT students to use this link to contact their congressman https://www.aamft.org/AAMFT/Advocacy/Take_Action.aspx#/109
It is important for Members of Congress to hear from their constituents on this important issue, and for you to ask Members of Congress to make sure that ED includes MFTs and other healthcare professions under the professional degree definition in the final rule.
In addition, AAMFT wants to hear how the federal graduate student loan program has supported your path to licensure and how these proposed limits would impact future students. Your stories will help us show Congress the real-world impacts of these changes on current and future MFT students, as well as how these changes will exacerbate the shortage of behavioral health providers. https://forms.office.com/Pages/ResponsePage.aspx?id=tMcU0KRZ3E2oA3t3F2fMrTXgqMNRWwdOjN4B7L6ZhrVUOVc0WklFRjc2MFZOTkpBQVBQNU9VU0ZISS4u
If you would like to learn more about how this change will impact MFTs please read this article: https://aamft.informz.net/admin31/content/template.asp?ps=70701&sid=70661&ptid=2493&brandid=4918&uid=1068586661&mi=12131515&ps=70661
We, at CTAMFT, and MFTs across the nation will not allow this change to happen without our voices being heard! Let’s come together and use our systemic skills to take action NOW!
Please follow our website, social media accounts for updates and as always you can reach out to me at advocacy@ctamft.org with any further questions.
Jaime Rodriguez, LMFT
Advocacy Chair, CTAMFT
Family TEAM Lead, AAMFT