CAPS VARY BY DEGREE TYPE
Professional: $50K · Graduate: $20.5K · Parent: $20KThe Largest Change to Student Lending in a Generation
Data • Research • Tools for Every Graduate & Professional Student
On July 4, 2025, the OBBBA was signed into law. Starting July 1, 2026, federal Grad PLUS loans are eliminated and replaced with strict borrowing caps. Millions of students and families will face a funding gap between what federal loans cover and what school actually costs.
Gap Calculator — Launching July 2026
Your school. Your program. Your exact gap.
Built from Public Law 119-21 · Tuition data across 1,866 institutionsBased on Public Law 119-21 (OBBBA), signed July 4, 2025
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Tell us what you're studying and we'll send the right calculator when it launches.