Southern Illinois University-CarbondaleGraduate Studies
Total Cost of Attendance: $36,378/yr · Federal Loan Cap: $20,500/yr
Under the One Big Beautiful Bill Act (OBBBA), which takes effect July 1, 2026, graduate students at Southern Illinois University-Carbondale studying Graduate Studies face a maximum federal Direct Loan cap of $20,500 per year.
The annual cost of attendance is $36,378, resulting in a $15,878 gap each year ($31,756 total over 2 years). Students will need alternative funding sources beyond federal loans.
Cost of Attendance Summary
| Annual Cost of Attendance | $36,378 |
| Federal Loan Cap (Graduate) | $20,500 |
| Annual Funding Gap | $15,878 |
| Total Funding Gap (2 years) | $31,756 |
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Tuition vs fees vs living, fee-by-fee detail, and in-state/out-of-state comparison for Southern Illinois University-Carbondale Graduate Studies — sent to your inbox.
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These numbers assume…
- × Full-time enrollment
- × No scholarships or grants
- × No prior federal student debt
- × Full-Time residency status
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In-State vs. Out-of-State
In-State (Resident)
| Total COA | $29,691 |
| Annual Gap | $9,191 |
Out-of-State (Non-Resident)
| Total COA | $28,791 |
| Annual Gap | $8,291 |
Your situation is different. Scholarships, residency, prior debt, and part-time enrollment all change your numbers.
Recalculate for Southern Illinois University-Carbondale →Need to Cover This Gap?
Southern Illinois University-Carbondale Graduate Studies students typically need $31,756 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 Southern Illinois University-Carbondale Graduate Studies students?
Under the OBBBA (effective July 1, 2026), Southern Illinois University-Carbondale 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 Southern Illinois University-Carbondale?
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 Southern Illinois University-Carbondale Graduate Studies cost per year?
The total cost of attendance for Southern Illinois University-Carbondale Graduate Studies is $36,378 per year. Over the full 2-year program, the total cost is $72,756.
What is the funding gap for Southern Illinois University-Carbondale Graduate Studies?
The annual funding gap is $15,878, calculated as the difference between the total cost of attendance ($36,378) and the federal loan cap ($20,500). Over the full 2-year program, the total gap is $31,756. This is close to the national median of $15,563 for Graduate (General) programs.