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

Doctor Gap Funding 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
−$23,470
per year you must fund outside federal loans
Cost of Attendance$80,238
Scholarships / Grants−$6,768
Net Cost$73,470
Federal Loan Cap−$50,000
Annual Funding Gap−$23,470

Funding Stack — Annual

Federal
$50,000 (62.3%)
Aid
$6,768 (8.4%)
Gap
$23,470 (29.3%)

Aggregate Limit Timeline

Exhausted Year 4
Graduate aggregate limit$200,000
Minus undergraduate debt−$22,000
Remaining federal capacity$178,000
$50K
$50K
$50K
$50K
Year 1Year 2Year 3Year 4

4-Year Total Funding Gap

Critical
−$93,880
total private funding needed over 4 years
Estimated monthly payment (10yr, 8.5% APR)$1,164/mo
Estimated total interest$45,800
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.