The College of New JerseyGraduate Studies
Total Cost of Attendance: $48,206/yr · Federal Loan Cap: $20,500/yr
Under the One Big Beautiful Bill Act (OBBBA), which takes effect July 1, 2026, graduate students at The College of New Jersey studying Graduate Studies face a maximum federal Direct Loan cap of $20,500 per year.
The annual cost of attendance is $48,206, resulting in a $27,706 gap each year ($55,412 total over 2 years). Students will need alternative funding sources beyond federal loans.
Cost of Attendance Summary
| Annual Cost of Attendance | $48,206 |
| Federal Loan Cap (Graduate) | $20,500 |
| Annual Funding Gap | $27,706 |
| Total Funding Gap (2 years) | $55,412 |
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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 | $37,690 |
| Annual Gap | $17,190 |
Out-of-State (Non-Resident)
| Total COA | $44,054 |
| Annual Gap | $23,554 |
Out-of-state students face a $6,364 larger gap per year due to non-resident tuition surcharges.
Your situation is different. Scholarships, residency, prior debt, and part-time enrollment all change your numbers.
Recalculate for The College of New Jersey →Need to Cover This Gap?
The College of New Jersey Graduate Studies students typically need $55,412 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 The College of New Jersey Graduate Studies students?
Under the OBBBA (effective July 1, 2026), The College of New Jersey 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 The College of New Jersey?
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 The College of New Jersey Graduate Studies cost per year?
The total cost of attendance for The College of New Jersey Graduate Studies is $48,206 per year. Over the full 2-year program, the total cost is $96,412.
What is the funding gap for The College of New Jersey Graduate Studies?
The annual funding gap is $27,706, calculated as the difference between the total cost of attendance ($48,206) and the federal loan cap ($20,500). Over the full 2-year program, the total gap is $55,412. This is above the national median of $15,563 for Graduate (General) programs.