Grad Funding Gap

Defaults to no new Grad PLUS. Use the limited-exception toggle only if you believe you meet the official tests, then confirm with your school financial aid office.

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Cost of attendance (one academic year)Degree levelAcademic years remainingOther aid for that periodI qualify for the Grad PLUS limited exception

Estimated need

$40,000

Federal Direct Unsubsidized room

$20,500

Private-loan gap

$19,500

This estimate defaults to no new Grad PLUS. Confirm current Direct Loan rules with your school financial aid office.
Starting July 1, 2026, Direct PLUS Loans are no longer available to graduate or professional students unless the student qualifies for the limited exception.

In-school lender referrals are not live yet. Research official lender sites on your own, or check Direct Loan options with your school and StudentAid.gov.

Sources

Figures checked against official sources on November 12, 2026

Subsidized vs. Unsubsidized Student Loans: Interest Rates and Loan Limits (Federal Student Aid)
Understanding Federal Student Loans (CRI Student Aid)