Trump Moves to Cut Off Student Loans for Tons of College Programs
Under a new rule, if a college program’s graduates don’t make enough money, it won’t be eligible for student loans.

The Trump administration is forcing colleges to prove that the loans that students are taking out are paying off.
The Education Department has finalized a rule that bans federal student loans for college programs whose graduates consistently fail to out-earn students who only have a high school diploma, the Los Angeles Times reported Wednesday
For-profit programs will be hit particularly hard. But there is concern that it could also affect social work, art, religion, music, and professional certification programs.
While the Trump administration is framing the policy as “accountability” for higher education, and some are welcoming the move, others see it as an attack on those whose work is important regardless of salary.
The Education Department intends to use IRS data to determine students’ salaries four years after they graduate and compare them to those of people similar in age who just have high school diplomas. If a program’s graduates are consistently below that baseline, the program will be ineligible for loans.
“We need social workers,” American Council on Education Ted Mitchell told the Times. “Whether it’s the fentanyl epidemic or homelessness in L.A., we need people who can work on the street with people who need it the most.”
Even some on the right are concerned.
“The government shouldn’t punish people who pursue socially valuable callings just because in its judgment they don’t earn enough money,” said Gregory Baylor, senior counsel at Alliance Defending Freedom, a Christian nonprofit that the Southern Poverty Law Center lists as a designated hate group.
“In certain fields of study, especially in the humanities, whether or not that program has been successful and has done a really good job in its educational mission might not be all that directly tied to immediate earnings potential,” added Stanford professor Jonathan Gienapp.
The policy will be implemented in 2027.
This article has been updated throughout to clarify that college programs, not students, will be cut off from loans.



