Southern Illinois University-CarbondaleMedicine (MD)
Total Cost of Attendance: $39,815/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 Illinois University-Carbondale studying Medicine (MD) face a maximum federal Direct Loan cap of $50,000 per year.
At $39,815/yr, this program falls within the federal loan cap — meaning students can fully fund tuition, fees, and living expenses through federal Direct Loans alone.
Cost of Attendance Summary
| Annual Cost of Attendance | $39,815 |
| Federal Loan Cap (Professional) | $50,000 |
| Annual Funding Gap | $0 |
| Total Funding Gap (4 years) | $0 |
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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 Illinois University-Carbondale →Frequently Asked Questions
What is the federal loan limit for Southern Illinois University-Carbondale Medicine (MD) students?
Under the OBBBA (effective July 1, 2026), Southern Illinois University-Carbondale Medicine (MD) 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 Illinois University-Carbondale?
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 Illinois University-Carbondale Medicine (MD) cost per year?
The total cost of attendance for Southern Illinois University-Carbondale Medicine (MD) is $39,815 per year. Over the full 4-year program, the total cost is $159,260.