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

DPT 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
−$25,854
per year you must fund outside federal loans
Cost of Attendance$50,196
Scholarships / Grants−$3,842
Net Cost$46,354
Federal Loan Cap−$20,500
Annual Funding Gap−$25,854

Funding Stack — Annual

Federal
$20,500 (40.8%)
Aid
$3,842 (7.7%)
Gap
$25,854 (51.5%)

Aggregate Limit Timeline

Exhausted Year 3+
Graduate aggregate limit$100,000
Minus undergraduate debt−$22,000
Remaining federal capacity$78,000
$20.5K
$20.5K
$20.5K
Year 1Year 2Year 3

3-Year Total Funding Gap

Critical
−$77,562
total private funding needed over 3 years
Estimated monthly payment (10yr, 8.5% APR)$962/mo
Estimated total interest$37,878
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.