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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Counts toward the $257,500 lifetime aggregate federal limit.FEDERAL LOAN LIMITS
Federal Direct Unsubsidized loans for graduate students are capped at $20,500 per year ($100,000 program aggregate).
Annual College Costs:$0 / yr
Scholarships & Savings:−$0 / yr
Annual Funding Gap:$0 / yr
Estimated 2-Year Total Gap: (2 Years)$0
Annual Federal Loan Limit:$20,500 / yr
Total Federal Loan Coverage:$0
No Loans NeededYour scholarships and savings cover your total cost.
§Data Sources & Methodology
Tuition and fee data sourced from U.S. Dept. of Education IPEDS 2024–25 Cost Surveys, American Bar Association (ABA) 2025 Standard 509 Reports, AAMC Medical School Tuition Reports (2025–26), and AACP Pharmacy Reports. Borrowing caps reflect the One Big Beautiful Bill Act limits effective July 1, 2026.
Verify federal limits at studentaid.gov →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 →