Kean University
Cost of Attendance Breakdown
| Annual Cost of Attendance | $64,951 |
| Tuition & Fees | $35,701 |
| Living Expenses | $29,250 |
| Federal Loan Cap (Professional) | −$50,000 |
| Annual Funding Gap | $14,951 |
Cover Your $14,951 Gap
Kean University Clinical Psychology students typically need $14,951 in private loans per year to bridge the gap between federal aid and cost of attendance. Pre-qualify with a soft credit check — no impact to your score.
Based on our analysis of 7,333 programs at 1,861 universities · thefundinggap.org
What This Means for You
Moderate gap — plan ahead
A $14,951/year gap adds up to $29,902 over the full 2-year program. This requires intentional planning but is manageable with the right strategy.
- Contact the financial aid office — many schools offer institutional grants for students with demonstrated need
- Look into graduate assistantships, which often include tuition waivers
- Compare private loan options — rates vary significantly by lender and credit profile
- Consider whether in-state residency (if applicable) would reduce your costs
Need help navigating financial aid? Start with FAFSA
In-State vs. Out-of-State
In-State (Resident)
Out-of-State (Non-Resident)
Out-of-state students face a $7,458 larger gap per year due to non-resident tuition surcharges.
Get your personalized funding plan
Fee-by-fee cost breakdown, residency comparison, and private loan options for Kean University Clinical Psychology — sent to your inbox.
Free. No spam. Unsubscribe anytime.
Frequently Asked Questions
What is the federal loan limit for Kean University Clinical Psychology students?
Under the OBBBA (effective July 1, 2026), Kean University Clinical Psychology students can borrow up to $50,000 per year in federal Direct Loans. This is the professional annual cap. The aggregate lifetime limit is $200,000 for professional students.
Can I still get a Grad PLUS loan for Kean 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 ($50,000/year for professional programs). Students who need additional funding beyond the cap must use private loans, institutional aid, scholarships, or personal funds.
How much does Kean University Clinical Psychology cost per year?
The total cost of attendance for Kean University Clinical Psychology is $64,951 per year. Over the full 2-year program, the total cost is $129,902.
What is the funding gap for Kean University Clinical Psychology?
The annual funding gap is $14,951, calculated as the difference between the total cost of attendance ($64,951) and the federal loan cap ($50,000). Over the full 2-year program, the total gap is $29,902. This is close to the national median of $14,724 for Clinical Psychology (PsyD) programs.
Is Kean University Clinical Psychology classified as graduate or professional?
Kean University Clinical Psychology (PsyD) is classified as professional under 34 CFR § 668.2, the federal definition of professional programs frozen as of the OBBBA enactment date. This means the annual federal loan cap is $50,000/year, with an aggregate limit of $200,000.
Related Articles
In-State vs. Out-of-State Medical Costs
Out-of-state premiums can exceed $180,000 over four years, erasing the public school advantage.
Read more →Is Medical Worth the Debt?
DTI ratios range from 0.60:1 at Florida State to 6.47:1 at Palmer Chiropractic. Your school matters more than your degree.
Read more →Professional vs. Graduate Classification: Medical
Why MD gets $50,000/year while MPH gets $20,500 — and who falls in between.
Read more →Sources & Methodology
Data Sources
- Cost of attendance: Sourced from Kean University’s official tuition and fees page for the 2025–2026 academic year.
- Federal loan caps: Defined by the One Big Beautiful Bill Act (OBBBA), Public Law 119-21, Title VIII, Section 81001, amending 20 U.S.C. § 1087e(a), paragraph 4(A)(ii).
- IPEDS data: Institutional characteristics from the Integrated Postsecondary Education Data System (NCES), Unit ID: 185262.
- Program classification: PsyD is classified as professional per 34 CFR § 668.2, with an annual federal loan cap of $50,000.
Methodology
- Funding gap = Cost of Attendance − Federal Loan Cap. Negative values are reported as $0.
- Cost of attendance includes tuition, mandatory fees, and estimated living expenses (housing, food, books, transportation, personal).
- Rankings compare programs within the same degree type nationally, sorted by annual funding gap from lowest to highest.
- Default COA assumes full-time enrollment, out-of-state residency (where applicable), no scholarships or grants, and no prior federal debt.
Data last updated: January 2026. Effective date for OBBBA loan caps: July 1, 2026.
A non-resident student at Kean University Clinical Psychology faces an annual funding gap of $14,951 based on a cost of attendance of $64,951 minus the federal professional loan cap of $50,000. Over 2 years, the total funding gap is $29,902. Based on data from “The 2026 Graduate Education Funding Crisis — A Data Report” available on thefundinggap.org.