Upstate Medical UniversityMedicine (MD)
Total Cost of Attendance: $100,054/yr · Federal Loan Cap: $50,000/yr
Under the One Big Beautiful Bill Act (OBBBA), which takes effect July 1, 2026, professional students at Upstate Medical University studying Medicine (MD) face a maximum federal Direct Loan cap of $50,000 per year.
With a total cost of attendance of $100,054/yr, that leaves a $50,054 annual funding gap — $200,216 over 4 years. Students will need to cover this shortfall through private loans, institutional aid, scholarships, or personal funds.
Cost of Attendance Summary
| Annual Cost of Attendance | $100,054 |
| Federal Loan Cap (Professional) | $50,000 |
| Annual Funding Gap | $50,054 |
| Total Funding Gap (4 years) | $200,216 |
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Tuition vs fees vs living, fee-by-fee detail, and in-state/out-of-state comparison for Upstate Medical University 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 | $76,584 |
| Annual Gap | $26,584 |
Out-of-State (Non-Resident)
| Total COA | $100,054 |
| Annual Gap | $50,054 |
Out-of-state students face a $23,470 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 Upstate Medical University →Need to Cover This Gap?
Upstate Medical University Medicine (MD) students typically need $200,216 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 Upstate Medical University Medicine (MD) students?
Under the OBBBA (effective July 1, 2026), Upstate Medical University 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 Upstate Medical 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 Upstate Medical University Medicine (MD) cost per year?
The total cost of attendance for Upstate Medical University Medicine (MD) is $100,054 per year. Over the full 4-year program, the total cost is $400,216.
What is the funding gap for Upstate Medical University Medicine (MD)?
The annual funding gap is $50,054, calculated as the difference between the total cost of attendance ($100,054) and the federal loan cap ($50,000). Over the full 4-year program, the total gap is $200,216. This is above the national median of $44,256 for Medical (MD) programs.