William James CollegePsychology
Total Cost of Attendance: $83,668/yr · Federal Loan Cap: $20,500/yr
Under the One Big Beautiful Bill Act (OBBBA), which takes effect July 1, 2026, graduate students at William James College studying Psychology face a maximum federal Direct Loan cap of $20,500 per year.
With a total cost of attendance of $83,668/yr, that leaves a $63,168 annual funding gap — $315,840 over 5 years. Students will need to cover this shortfall through private loans, institutional aid, scholarships, or personal funds.
Cost of Attendance Summary
| Annual Cost of Attendance | $83,668 |
| Federal Loan Cap (Graduate) | $20,500 |
| Annual Funding Gap | $63,168 |
| Total Funding Gap (5 years) | $315,840 |
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These numbers assume…
- × Full-time enrollment
- × No scholarships or grants
- × No prior federal student debt
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Recalculate for William James College →Need to Cover This Gap?
William James College Psychology students typically need $315,840 in private loans over 5 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 William James College Psychology students?
Under the OBBBA (effective July 1, 2026), William James College Psychology 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 William James College?
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 William James College Psychology cost per year?
The total cost of attendance for William James College Psychology is $83,668 per year. Over the full 5-year program, the total cost is $418,340.
What is the funding gap for William James College Psychology?
The annual funding gap is $63,168, calculated as the difference between the total cost of attendance ($83,668) and the federal loan cap ($20,500). Over the full 5-year program, the total gap is $315,840. This is above the national median of $24,460 for Psychology programs.