Student loans available to architecture students in the USA are set to be reduced under President Donald Trump’s One Big Beautiful Bill, as architecture will not be classified as a professional degree.
The One Big Beautiful Bill will introduce a major overhaul of student loan policies in the USA beginning July 1, 2026. Under the new rules, the amount students can borrow will depend on whether their degree is recognized as professional or not.
Architecture excluded from “professional degree” category
Architecture, along with fields like nursing and accounting, will not be considered a “professional degree” under the bill—a decision that has drawn criticism from the American Institute of Architects (AIA).
“The American Institute of Architects strongly opposes any proposal or policy that fails to recognize architects as professionals, particularly when designating which degrees qualify for student loan caps,” the AIA stated.
“The title of ‘architect’ is earned through years of rigorous education, challenging professional examinations, and a comprehensive licensing process,” the statement continued.
“Failing to recognize architecture as a professional degree overlooks the expertise, high standards, and commitment that define the profession.”
Architecture student loan maximum set at $20,500
The new Repayment Assistance Plan (RAP), which will replace all existing loan programs, will limit borrowing to $20,500 for graduate students and $50,000 for those enrolled in professional degree programs.
“Beginning on July 1, 2026, the maximum annual amount of Federal Direct Unsubsidized Stafford loans a graduate student who is not a professional student may borrow will be $20,500; for a professional student, the maximum will be $50,000,” the bill explains.
The AIA warns that these changes could make it harder for aspiring architects to afford their education.
Loan cap may limit future architecture students
The AIA indicated that it will advocate for architecture to be reclassified as a professional degree under the new policy.
“Lowering the loan cap will reduce the number of architects who can afford to pursue this professional degree and harm American leadership in this field,” the AIA said.
“The AIA will continue to work with policymakers to ensure that the critical role and professional standing of architects are fully recognized in federal policy. We remain committed to upholding the integrity and value of the architectural profession.”
During his second term, Trump has shown a growing interest in architecture. On his first day back in office, he signed an executive order promoting classical architecture.
Recently, he demolished the East Wing of the White House to begin construction of a ballroom at the presidential residence. Trump has also proposed building a classical-style triumphal arch in Washington DC as part of the 250th anniversary celebrations of the United States in 2026.
