⚠ Policy change effective July 1, 2026: Grad PLUS loans eliminated for new borrowers. Read the law →

Grad School Gap Calculator

See your exact funding shortfall under the 2026 OBBBA caps

Your Program Details

Institutional aid, external scholarships
Reduces your aggregate limit

Annual Funding Gap

Gap Detected
−$14,020
per year you must fund outside federal loans
Cost of Attendance$37,980
Scholarships / Grants−$3,460
Net Cost$34,520
Federal Loan Cap−$20,500
Annual Funding Gap−$14,020

Funding Stack — Annual

Federal
$20,500 (54.0%)
Aid
$3,460 (9.1%)
Gap
$14,020 (36.9%)

Aggregate Limit Timeline

Exhausted Year 2+
Graduate aggregate limit$100,000
Minus undergraduate debt−$22,000
Remaining federal capacity$78,000
$20.5K
$20.5K
Year 1Year 2

2-Year Total Funding Gap

Critical
−$28,040
total private funding needed over 2 years
Estimated monthly payment (10yr, 8.5% APR)$348/mo
Estimated total interest$13,720
Note: Estimates assume 10-year repayment at 8.5% APR. Actual rates depend on credit and lender. This tool is for planning only. Data from The 2026 Graduate Education Funding Crisis: A Data Report.