1. United States
2. Ohio
3. Letter

As your constituent, I am writing to urge you to reform the federal student borrowing limits and repayment rollbacks created under the One Big Beautiful Bill Act (OBBBA). Fiscal responsibility in government is a worthy goal, but capping federal student aid without addressing root tuition costs fails to solve the debt problem. Instead, it creates a pay-to-play higher education system where access to advanced degrees is dictated by family wealth, not talent or drive. Under these new limits—including hard annual caps on Parent PLUS loans, the elimination of Grad PLUS, and strict caps on graduate fields—students from working- and middle-class families are being forced to choose between abandoning their career paths or taking on high-interest private debt with far fewer consumer protections. Meanwhile, wealthy families can easily pay tuition out-of-pocket or secure favorable private financing, creating an unequal playing field for our country’s future workforce. This policy directly harms our economy and communities: - It Throttles Local Talent: Brilliant working-class students and the parents supporting them are both your constituents. Both will be priced out of high-demand fields like healthcare, engineering, social work, and specialized tech before these students ever get the chance to compete on merit. - It Relies on False Economy: Cutting federal aid doesn't lower tuition; it simply shifts financial risk from the government onto struggling families while incentivizing universities to prioritize wealthy applicants. - It Undermines American Competitiveness: Our economy relies on a strong, highly educated workforce selected for skill and merit—not elite background. We must hold higher education institutions accountable for rising costs, but penalizing striving students is the wrong approach. I ask you to support bipartisan legislation that restores federal borrowing pathways for qualified students, protects low-income families from predatory private lender traps, and focuses true accountability on university tuition inflation rather than student access.