St. John's University-New YorkPharmacy (PharmD)
Total Cost of Attendance: $59,432/yr · Federal Loan Cap: $50,000/yr
Under the One Big Beautiful Bill Act (OBBBA), which takes effect July 1, 2026, professional students at St. John's University-New York studying Pharmacy (PharmD) face a maximum federal Direct Loan cap of $50,000 per year.
With a cost of attendance of $59,432/yr, the gap is $9,432 per year ($37,728 total). While modest by national standards, this still requires planning to cover.
Cost of Attendance Summary
| Annual Cost of Attendance | $59,432 |
| Federal Loan Cap (Professional) | $50,000 |
| Annual Funding Gap | $9,432 |
| Total Funding Gap (4 years) | $37,728 |
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These numbers assume…
- × Full-time enrollment
- × No scholarships or grants
- × No prior federal student debt
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Your situation is different. Scholarships, residency, prior debt, and part-time enrollment all change your numbers.
Recalculate for St. John's University-New York →Need to Cover This Gap?
St. John's University-New York Pharmacy (PharmD) students typically need $37,728 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 St. John's University-New York Pharmacy (PharmD) students?
Under the OBBBA (effective July 1, 2026), St. John's University-New York 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 St. John's University-New York?
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 St. John's University-New York Pharmacy (PharmD) cost per year?
The total cost of attendance for St. John's University-New York Pharmacy (PharmD) is $59,432 per year. Over the full 4-year program, the total cost is $237,728.
What is the funding gap for St. John's University-New York Pharmacy (PharmD)?
The annual funding gap is $9,432, calculated as the difference between the total cost of attendance ($59,432) and the federal loan cap ($50,000). Over the full 4-year program, the total gap is $37,728. This is below the national median of $18,980 for Pharmacy (PharmD) programs.