⚠ Policy change effective July 1, 2026: Grad PLUS loans eliminated for new borrowers. Read the law →

PA School Loans Calculator

See your exact funding shortfall under the 2026 OBBBA caps

Your Program Details

Institutional aid, external scholarships
Reduces your aggregate limit

Annual Funding Gap

Gap Detected
−$32,216
per year you must fund outside federal loans
Cost of Attendance$56,558
Scholarships / Grants−$3,842
Net Cost$52,716
Federal Loan Cap−$20,500
Annual Funding Gap−$32,216

Funding Stack — Annual

Federal
$20,500 (36.2%)
Aid
$3,842 (6.8%)
Gap
$32,216 (57.0%)

Aggregate Limit Timeline

Exhausted Year 2+
Graduate aggregate limit$100,000
Minus undergraduate debt−$22,000
Remaining federal capacity$78,000
$20.5K
$20.5K
Year 1Year 2

2-Year Total Funding Gap

Critical
−$64,432
total private funding needed over 2 years
Estimated monthly payment (10yr, 8.5% APR)$799/mo
Estimated total interest$31,448
Note: Estimates assume 10-year repayment at 8.5% APR. Actual rates depend on credit and lender. This tool is for planning only. Data from The 2026 Graduate Education Funding Crisis: A Data Report.