Stanford UniversityGraduate Studies — $149K/yr
Total Cost of Attendance: $199,545/yr · Federal Loan Cap: $20,500/yr
Under the One Big Beautiful Bill Act (OBBBA), which takes effect July 1, 2026, graduate students at Stanford University studying Graduate Studies — $149K/yr face a maximum federal Direct Loan cap of $20,500 per year.
With a total cost of attendance of $199,545/yr, that leaves a $179,045 annual funding gap. Students will need to cover this shortfall through private loans, institutional aid, scholarships, or personal funds.
Cost of Attendance Summary
| Annual Cost of Attendance | $199,545 |
| Federal Loan Cap (Graduate) | $20,500 |
| Annual Funding Gap | $179,045 |
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These numbers assume…
- × Full-time enrollment
- × No scholarships or grants
- × No prior federal student debt
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Your situation is different. Scholarships, residency, prior debt, and part-time enrollment all change your numbers.
Recalculate for Stanford University →Need to Cover This Gap?
Stanford University Graduate Studies — $149K/yr students typically need $179,045 in private loans over 1 year 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 Stanford University Graduate Studies — $149K/yr students?
Under the OBBBA (effective July 1, 2026), Stanford University Graduate Studies — $149K/yr 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 Stanford 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 Stanford University Graduate Studies — $149K/yr cost per year?
The total cost of attendance for Stanford University Graduate Studies — $149K/yr is $199,545 per year. Over the full 1-year program, the total cost is $199,545.
What is the funding gap for Stanford University Graduate Studies — $149K/yr?
The annual funding gap is $179,045, calculated as the difference between the total cost of attendance ($199,545) and the federal loan cap ($20,500). This is above the national median of $15,563 for Graduate (General) programs.