Utica UniversityPhysical Therapy (DPT)
Total Cost of Attendance: $41,421/yr · Federal Loan Cap: $20,500/yr
Under the One Big Beautiful Bill Act (OBBBA), which takes effect July 1, 2026, graduate students at Utica University studying Physical Therapy (DPT) face a maximum federal Direct Loan cap of $20,500 per year.
The annual cost of attendance is $41,421, resulting in a $20,921 gap each year ($62,763 total over 3 years). Students will need alternative funding sources beyond federal loans.
Cost of Attendance Summary
| Annual Cost of Attendance | $41,421 |
| Federal Loan Cap (Graduate) | $20,500 |
| Annual Funding Gap | $20,921 |
| Total Funding Gap (3 years) | $62,763 |
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These numbers assume…
- × Full-time enrollment
- × No scholarships or grants
- × No prior federal student debt
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Recalculate for Utica University →Need to Cover This Gap?
Utica University Physical Therapy (DPT) students typically need $62,763 in private loans over 3 years to bridge the gap between federal aid and cost of attendance.
| Lender | Est. Rate Range | Loan Type | |
|---|---|---|---|
| Lender A | 4.99% – 12.78% APR | Variable & Fixed | Coming Soon |
| Lender B | 5.24% – 14.49% APR | Fixed | Coming Soon |
| Lender C | 4.49% – 13.99% APR | Variable & Fixed | Coming Soon |
Rates shown are illustrative ranges and not a guarantee of any specific rate. Actual rates depend on creditworthiness, cosigner status, and loan terms. Check with individual lenders for current rates. Advertising disclosure applies.
Frequently Asked Questions
What is the federal loan limit for Utica University Physical Therapy (DPT) students?
Under the OBBBA (effective July 1, 2026), Utica University Physical Therapy (DPT) students can borrow up to $20,500 per year in federal Direct Loans. This is the graduate annual cap. The aggregate lifetime limit is $100,000 for graduate students.
Can I still get a Grad PLUS loan for Utica University?
No. Starting July 1, 2026, the Grad PLUS loan program is eliminated under the OBBBA. All graduate and professional students are subject to fixed annual borrowing caps ($20,500/year for graduate programs). Students who need additional funding beyond the cap must use private loans, institutional aid, scholarships, or personal funds.
How much does Utica University Physical Therapy (DPT) cost per year?
The total cost of attendance for Utica University Physical Therapy (DPT) is $41,421 per year. Over the full 3-year program, the total cost is $124,263.
What is the funding gap for Utica University Physical Therapy (DPT)?
The annual funding gap is $20,921, calculated as the difference between the total cost of attendance ($41,421) and the federal loan cap ($20,500). Over the full 3-year program, the total gap is $62,763. This is below the national median of $35,126 for Physical Therapy (DPT) programs.