⚠ Policy change effective July 1, 2026: Grad PLUS loans eliminated for new borrowers. Read the law →

Vet School Gap Calculator

See your exact funding shortfall under the 2026 OBBBA caps

Your Program Details

Institutional aid, external scholarships
Reduces your aggregate limit

Annual Funding Gap

Gap Detected
−$0
per year you must fund outside federal loans
Cost of Attendance$55,299
Scholarships / Grants−$6,768
Net Cost$48,531
Federal Loan Cap−$50,000
Annual Funding Gap−$0

Funding Stack — Annual

Federal
$50,000 (90.4%)
Aid
$6,768 (12.2%)
Gap
$0 (0.0%)

Aggregate Limit Timeline

Exhausted Year 4
Graduate aggregate limit$200,000
Minus undergraduate debt−$22,000
Remaining federal capacity$178,000
$50K
$50K
$50K
$50K
Year 1Year 2Year 3Year 4

4-Year Total Funding Gap

Critical
−$0
total private funding needed over 4 years
Estimated monthly payment (10yr, 8.5% APR)$0/mo
Estimated total interest$0
Note: Estimates assume 10-year repayment at 8.5% APR. Actual rates depend on credit and lender. This tool is for planning only. Data from The 2026 Graduate Education Funding Crisis: A Data Report.