How much do you need to borrow?
Start with your costs, subtract what you have, then see the gap.
CHART YOUR PATH
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FEDERAL LOAN LIMITS
Show the applicable annual federal borrowing limit here, then calculate what remains.
Annual College Costs:$0
Scholarships & Savings:−$0
Annual Funding Gap:$0 / yr
Estimated 4-Year Total Gap:$0
Annual Federal Loan Limit:$20,500 / yr
Total Federal Loan Coverage:$0
✓ Fully Covered by Federal LoansNo additional private borrowing required.
Recommended guides for your path
Topic 01
How loans work
Understand daily compounding interest, grace periods, and servicer management.
Read explainer →Topic 02Types of student loans
Subsidized, unsubsidized, Direct PLUS, and private loan options compared.
Read guide →Topic 03How to get a student loan
Step-by-step FAFSA guide, financial aid offer review, and application process.
Read analysis →2026 Interactive Tool
College Loan Need & Borrowing Calculator
Estimate your annual funding gap, total borrowing needed, and monthly repayment while checking against 2026 federal borrowing caps.
1. Annual Cost of Attendance
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Total Annual Cost$0
2. Money Available Each Year
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Total Available Funding$0
3. Program & Loan Assumptions
Your Estimated Result
Annual Funding Gap$0Cost − Available Funding
Estimated Total Borrowing$04 Years × Annual Gap
Estimated Monthly Payment$010 Yr Term @ 8.07%
Estimated Total Repaid$0Principal + Interest
Estimated Interest Paid$0Total Interest Cost
2026 Federal Cap Status:
No borrowing needed! Your available funding covers your cost of attendance.