College of Our Lady of the ElmsSocial Work (MSW)
Total Cost of Attendance: $44,968/yr · Federal Loan Cap: $20,500/yr
Under the One Big Beautiful Bill Act (OBBBA), which takes effect July 1, 2026, graduate students at College of Our Lady of the Elms studying Social Work (MSW) face a maximum federal Direct Loan cap of $20,500 per year.
The annual cost of attendance is $44,968, resulting in a $24,468 gap each year ($48,936 total over 2 years). Students will need alternative funding sources beyond federal loans.
Cost of Attendance Summary
| Annual Cost of Attendance | $44,968 |
| Federal Loan Cap (Graduate) | $20,500 |
| Annual Funding Gap | $24,468 |
| Total Funding Gap (2 years) | $48,936 |
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These numbers assume…
- × Full-time enrollment
- × No scholarships or grants
- × No prior federal student debt
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College of Our Lady of the Elms Social Work (MSW) students typically need $48,936 in private loans over 2 years to bridge the gap between federal aid and cost of attendance.
| Lender | Est. Rate Range | Loan Type | |
|---|---|---|---|
| Lender A | 4.99% – 12.78% APR | Variable & Fixed | Coming Soon |
| Lender B | 5.24% – 14.49% APR | Fixed | Coming Soon |
| Lender C | 4.49% – 13.99% APR | Variable & Fixed | Coming Soon |
Rates shown are illustrative ranges and not a guarantee of any specific rate. Actual rates depend on creditworthiness, cosigner status, and loan terms. Check with individual lenders for current rates. Advertising disclosure applies.
Frequently Asked Questions
What is the federal loan limit for College of Our Lady of the Elms Social Work (MSW) students?
Under the OBBBA (effective July 1, 2026), College of Our Lady of the Elms Social Work (MSW) students can borrow up to $20,500 per year in federal Direct Loans. This is the graduate annual cap. The aggregate lifetime limit is $100,000 for graduate students.
Can I still get a Grad PLUS loan for College of Our Lady of the Elms?
No. Starting July 1, 2026, the Grad PLUS loan program is eliminated under the OBBBA. All graduate and professional students are subject to fixed annual borrowing caps ($20,500/year for graduate programs). Students who need additional funding beyond the cap must use private loans, institutional aid, scholarships, or personal funds.
How much does College of Our Lady of the Elms Social Work (MSW) cost per year?
The total cost of attendance for College of Our Lady of the Elms Social Work (MSW) is $44,968 per year. Over the full 2-year program, the total cost is $89,936.
What is the funding gap for College of Our Lady of the Elms Social Work (MSW)?
The annual funding gap is $24,468, calculated as the difference between the total cost of attendance ($44,968) and the federal loan cap ($20,500). Over the full 2-year program, the total gap is $48,936. This is below the national median of $27,312 for Social Work (MSW) programs.