University of North Carolina at Chapel HillMedicine (MD)
Total Cost of Attendance: $88,877/yr · Federal Loan Cap: $50,000/yr
Under the One Big Beautiful Bill Act (OBBBA), which takes effect July 1, 2026, professional students at University of North Carolina at Chapel Hill studying Medicine (MD) face a maximum federal Direct Loan cap of $50,000 per year.
The annual cost of attendance is $88,877, resulting in a $38,877 gap each year ($155,509 total over 4 years). Students will need alternative funding sources beyond federal loans.
Cost of Attendance Summary
| Annual Cost of Attendance | $88,877 |
| Federal Loan Cap (Professional) | $50,000 |
| Annual Funding Gap | $38,877 |
| Total Funding Gap (4 years) | $155,509 |
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Tuition vs fees vs living, fee-by-fee detail, and in-state/out-of-state comparison for University of North Carolina at Chapel Hill Medicine (MD) — 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 | $60,552 |
| Annual Gap | $10,552 |
Out-of-State (Non-Resident)
| Total COA | $88,877 |
| Annual Gap | $38,877 |
Out-of-state students face a $28,325 larger gap per year due to non-resident tuition surcharges.
Your situation is different. Scholarships, residency, prior debt, and part-time enrollment all change your numbers.
Recalculate for University of North Carolina at Chapel Hill →Need to Cover This Gap?
University of North Carolina at Chapel Hill Medicine (MD) students typically need $155,509 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 University of North Carolina at Chapel Hill Medicine (MD) students?
Under the OBBBA (effective July 1, 2026), University of North Carolina at Chapel Hill 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 University of North Carolina at Chapel Hill?
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 University of North Carolina at Chapel Hill Medicine (MD) cost per year?
The total cost of attendance for University of North Carolina at Chapel Hill Medicine (MD) is $88,877 per year. Over the full 4-year program, the total cost is $355,509.
What is the funding gap for University of North Carolina at Chapel Hill Medicine (MD)?
The annual funding gap is $38,877, calculated as the difference between the total cost of attendance ($88,877) and the federal loan cap ($50,000). Over the full 4-year program, the total gap is $155,509. This is below the national median of $44,256 for Medical (MD) programs.