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

Ohio State University-Main Campus vs University of Pennsylvania

Funding gap comparison

Ohio State University-Main Campus

, OH

Veterinary Medicine (DVM)

Annual COA
$75,753
Federal Cap
$50,000
Annual Gap
$25,753
Total Program Cost
$303,011
Total Gap
$103,011
Years
4
Classification
Professional
Tuition
$49,816/yr
Fees
$953/yr
Living Expenses
$24,984/yr
VS

University of Pennsylvania

, PA

Veterinary Medicine (DVM)

Annual COA
$100,976
Federal Cap
$50,000
Annual Gap
$50,976
Total Program Cost
$403,904
Total Gap
$203,904
Years
4
Classification
Professional
Tuition
$66,228/yr
Fees
$6,262/yr
Living Expenses
$28,486/yr

University of Pennsylvania has a $25,223 larger annual funding gap than Ohio State University-Main Campus.

Frequently Asked Questions

Why do these programs have different funding gaps?

Funding gaps depend on each program's total cost of attendance (tuition, fees, and living expenses) minus the federal loan cap. Programs classified as "professional" have a $50,000 annual cap, while graduate programs are capped at $20,500.

How are these costs calculated?

Costs include tuition, mandatory fees, and estimated living expenses (housing, food, books, transportation, and personal expenses). These are based on published 2025-26 rates and official cost-of-attendance budgets.

What is the OBBBA and how does it affect student loans?

The One Big Beautiful Bill Act (2026) eliminates Grad PLUS loans and replaces them with annual caps: $20,500 for graduate students and $50,000 for professional students. This creates a "funding gap" for programs that cost more than these caps.