Southern College of OptometryOptometry (OD)
Total Cost of Attendance: $65,760/yr · Federal Loan Cap: $50,000/yr
Under the One Big Beautiful Bill Act (OBBBA), which takes effect July 1, 2026, professional students at Southern College of Optometry studying Optometry (OD) face a maximum federal Direct Loan cap of $50,000 per year.
The annual cost of attendance is $65,760, resulting in a $15,760 gap each year ($63,040 total over 4 years). Students will need alternative funding sources beyond federal loans.
Cost of Attendance Summary
| Annual Cost of Attendance | $65,760 |
| Federal Loan Cap (Professional) | $50,000 |
| Annual Funding Gap | $15,760 |
| Total Funding Gap (4 years) | $63,040 |
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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 Southern College of Optometry →Need to Cover This Gap?
Southern College of Optometry Optometry (OD) students typically need $63,040 in private loans over 4 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 Southern College of Optometry Optometry (OD) students?
Under the OBBBA (effective July 1, 2026), Southern College of Optometry Optometry (OD) 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 Southern College of Optometry?
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 Southern College of Optometry Optometry (OD) cost per year?
The total cost of attendance for Southern College of Optometry Optometry (OD) is $65,760 per year. Over the full 4-year program, the total cost is $263,040.
What is the funding gap for Southern College of Optometry Optometry (OD)?
The annual funding gap is $15,760, calculated as the difference between the total cost of attendance ($65,760) and the federal loan cap ($50,000). Over the full 4-year program, the total gap is $63,040. This is below the national median of $30,850 for Optometry (OD) programs.