Loma Linda University
Cost of Attendance Breakdown
| Annual Cost of Attendance | $31,680 |
| Tuition & Fees | $5,280 |
| Living Expenses | $26,400 |
| Federal Loan Cap (Graduate) | −$20,500 |
| Annual Funding Gap | $11,180 |
Cover Your $11,180 Gap
Loma Linda University Certificate students typically need $11,180 in private loans per year to bridge the gap between federal aid and cost of attendance. Pre-qualify with a soft credit check — no impact to your score.
Based on our analysis of 7,333 programs at 1,861 universities · thefundinggap.org
What This Means for You
Moderate gap — plan ahead
A $11,180/year gap adds up to $11,180 over the program. This requires intentional planning but is manageable with the right strategy.
- Contact the financial aid office — many schools offer institutional grants for students with demonstrated need
- Look into graduate assistantships, which often include tuition waivers
- Compare private loan options — rates vary significantly by lender and credit profile
- Consider whether in-state residency (if applicable) would reduce your costs
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Frequently Asked Questions
What is the federal loan limit for Loma Linda University Certificate students?
Under the OBBBA (effective July 1, 2026), Loma Linda University Certificate 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 Loma Linda University?
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 Loma Linda University Certificate cost per year?
The total cost of attendance for Loma Linda University Certificate is $31,680 per year. Over the full 1-year program, the total cost is $31,680.
What is the funding gap for Loma Linda University Certificate?
The annual funding gap is $11,180, calculated as the difference between the total cost of attendance ($31,680) and the federal loan cap ($20,500). This is below the national median of $15,072 for Graduate (General) programs.
Is Loma Linda University Certificate classified as graduate or professional?
Loma Linda University Certificate is classified as graduate under 34 CFR § 668.2. This means the annual federal loan cap is $20,500/year, with an aggregate limit of $100,000.
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Read more →Why Graduate Students Are Capped at $20,500
The classification system that determines your federal loan limit — and why it doesn't consider program cost.
Read more →Sources & Methodology
Data Sources
- Cost of attendance: Sourced from Loma Linda University’s official tuition and fees page for the 2025–2026 academic year.
- Federal loan caps: Defined by the One Big Beautiful Bill Act (OBBBA), Public Law 119-21, Title VIII, Section 81001, amending 20 U.S.C. § 1087e(a), paragraph 4(A)(i).
- IPEDS data: Institutional characteristics from the Integrated Postsecondary Education Data System (NCES), Unit ID: 117636.
- Program classification: Certificate is classified as graduate per 34 CFR § 668.2, with an annual federal loan cap of $20,500.
Methodology
- Funding gap = Cost of Attendance − Federal Loan Cap. Negative values are reported as $0.
- Cost of attendance includes tuition, mandatory fees, and estimated living expenses (housing, food, books, transportation, personal).
- Rankings compare programs within the same degree type nationally, sorted by annual funding gap from lowest to highest.
- Default COA assumes full-time enrollment, out-of-state residency (where applicable), no scholarships or grants, and no prior federal debt.
Data last updated: January 2026. Effective date for OBBBA loan caps: July 1, 2026.
A student at Loma Linda University Certificate faces an annual funding gap of $11,180 based on a cost of attendance of $31,680 minus the federal graduate loan cap of $20,500. Based on data from “The 2026 Graduate Education Funding Crisis — A Data Report” available on thefundinggap.org.