Pacific UniversityPharmacy (PharmD)
Total Cost of Attendance: $88,355/yr · Federal Loan Cap: $50,000/yr
Under the One Big Beautiful Bill Act (OBBBA), which takes effect July 1, 2026, professional students at Pacific University studying Pharmacy (PharmD) face a maximum federal Direct Loan cap of $50,000 per year.
The annual cost of attendance is $88,355, resulting in a $38,355 gap each year ($115,065 total over 3 years). Students will need alternative funding sources beyond federal loans.
Cost of Attendance Summary
| Annual Cost of Attendance | $88,355 |
| Federal Loan Cap (Professional) | $50,000 |
| Annual Funding Gap | $38,355 |
| Total Funding Gap (3 years) | $115,065 |
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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 Pacific University →Need to Cover This Gap?
Pacific University Pharmacy (PharmD) students typically need $115,065 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 Pacific University Pharmacy (PharmD) students?
Under the OBBBA (effective July 1, 2026), Pacific University Pharmacy (PharmD) 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 Pacific 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 Pacific University Pharmacy (PharmD) cost per year?
The total cost of attendance for Pacific University Pharmacy (PharmD) is $88,355 per year. Over the full 3-year program, the total cost is $265,065.
What is the funding gap for Pacific University Pharmacy (PharmD)?
The annual funding gap is $38,355, calculated as the difference between the total cost of attendance ($88,355) and the federal loan cap ($50,000). Over the full 3-year program, the total gap is $115,065. This is above the national median of $18,980 for Pharmacy (PharmD) programs.