Four-year cost calculator
Pick a school and adjust the assumptions. You'll see your total, how much federal loans can cover under the new cap, and the gap you'd need to fill.
Estimated four-year cost
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- Federal loans can cover
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- Gap to fill
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- Gap as a 10-year payment
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| Year | Tuition | Living | Other | Scholarship | Net cost | Federal max |
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Federal borrowing is capped at $50,000 a year and $200,000 in total for students starting after July 1, 2026. The monthly payment is a simple 10-year estimate on the gap only and ignores interest that builds while you're in school.