Montana State University BillingsGraduate Studies
Total Cost of Attendance: $58,266/yr · Federal Loan Cap: $20,500/yr
Under the One Big Beautiful Bill Act (OBBBA), which takes effect July 1, 2026, graduate students at Montana State University Billings studying Graduate Studies face a maximum federal Direct Loan cap of $20,500 per year.
The annual cost of attendance is $58,266, resulting in a $37,766 gap each year ($75,532 total over 2 years). Students will need alternative funding sources beyond federal loans.
Cost of Attendance Summary
| Annual Cost of Attendance | $58,266 |
| Federal Loan Cap (Graduate) | $20,500 |
| Annual Funding Gap | $37,766 |
| Total Funding Gap (2 years) | $75,532 |
Get your complete cost breakdown
Tuition vs fees vs living, fee-by-fee detail, and in-state/out-of-state comparison for Montana State University Billings Graduate Studies — sent to your inbox.
Free. No spam. Unsubscribe anytime.
These numbers assume…
- × Full-time enrollment
- × No scholarships or grants
- × No prior federal student debt
- × Out-of-State residency status
Pre-filled with Montana State University Billings data. Takes 30 seconds.
In-State vs. Out-of-State
In-State (Resident)
| Total COA | $58,266 |
| Annual Gap | $37,766 |
Out-of-State (Non-Resident)
| Total COA | $51,644 |
| Annual Gap | $31,144 |
Your situation is different. Scholarships, residency, prior debt, and part-time enrollment all change your numbers.
Recalculate for Montana State University Billings →Need to Cover This Gap?
Montana State University Billings Graduate Studies students typically need $75,532 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 Montana State University Billings Graduate Studies students?
Under the OBBBA (effective July 1, 2026), Montana State University Billings Graduate Studies 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 Montana State University Billings?
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 Montana State University Billings Graduate Studies cost per year?
The total cost of attendance for Montana State University Billings Graduate Studies is $58,266 per year. Over the full 2-year program, the total cost is $116,532.
What is the funding gap for Montana State University Billings Graduate Studies?
The annual funding gap is $37,766, calculated as the difference between the total cost of attendance ($58,266) and the federal loan cap ($20,500). Over the full 2-year program, the total gap is $75,532. This is above the national median of $15,563 for Graduate (General) programs.