@gallentjill They won’t. Even though I admittedly know almost nothing about this subject, I feel relatively comfortable speculating here that one might expect those new private loans to have usury-level interest rates. Am I alarmist in thinking that a cohort (or two or three) of potential doctors, physical therapists, speech pathologists, genetic counselors, research scientists, etc etc etc may have no choice but to but to pursue other professions, and that ultimately we will all suffer for it? Or maybe I am just misunderstanding the implications of the bill? Time to do some research! (@Kelsmom, I didn’t see your reply before I posted)