Southwestern Oklahoma State UniversityPharmacy (PharmD)
Total Cost of Attendance: $39,324/yr · Federal Loan Cap: $50,000/yr
Under the One Big Beautiful Bill Act (OBBBA), which takes effect July 1, 2026, professional students at Southwestern Oklahoma State University studying Pharmacy (PharmD) face a maximum federal Direct Loan cap of $50,000 per year.
At $39,324/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 | $39,324 |
| Federal Loan Cap (Professional) | $50,000 |
| Annual Funding Gap | $0 |
| Total Funding Gap (4 years) | $0 |
Get your complete cost breakdown
Tuition vs fees vs living, fee-by-fee detail, and in-state/out-of-state comparison for Southwestern Oklahoma State University Pharmacy (PharmD) — sent to your inbox.
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These numbers assume…
- × Full-time enrollment
- × No scholarships or grants
- × No prior federal student debt
- × Out-of-State residency status
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In-State vs. Out-of-State
In-State (Resident)
| Total COA | $39,306 |
| Annual Gap | $0 |
Out-of-State (Non-Resident)
| Total COA | $39,324 |
| Annual Gap | $0 |
Your situation is different. Scholarships, residency, prior debt, and part-time enrollment all change your numbers.
Recalculate for Southwestern Oklahoma State University →Frequently Asked Questions
What is the federal loan limit for Southwestern Oklahoma State University Pharmacy (PharmD) students?
Under the OBBBA (effective July 1, 2026), Southwestern Oklahoma State 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 Southwestern Oklahoma State 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 Southwestern Oklahoma State University Pharmacy (PharmD) cost per year?
The total cost of attendance for Southwestern Oklahoma State University Pharmacy (PharmD) is $39,324 per year. Over the full 4-year program, the total cost is $157,298.