JD (Law) Funding Gaps
After July 2026, JD students are capped at $50,000/yr in federal loans. 192 schools below all have programs where the cost of attendance exceeds that cap. Click your school to see the exact gap.
New Federal Cap — Professional Student
$50,000/yr
The Reconciliation Act of 2025 eliminated Grad PLUS on July 1, 2026. Any school cost above $50,000/yr must be covered by private loans or other funding. Learn more →
Alabama
All Alabama schools →Arkansas
All Arkansas schools →Arizona
All Arizona schools →California
All California schools →Chapman University
$8,604/yr gap
Golden Gate UniversityWithin cap
Humphreys University-Stockton and Modesto CampusesWithin cap
Loyola Marymount UniversityWithin cap
Northcentral UniversityWithin cap
Pepperdine University$12,020/yr gap
Santa Clara UniversityWithin cap
Southwestern Law SchoolWithin cap
Stanford University$60,000/yr gap
Thomas Jefferson School of LawWithin cap
Trinity Law SchoolWithin cap
University of California College of the Law-San Francisco$16,753/yr gap
University of California-Berkeley$363/yr gap
University of California-DavisWithin cap
University of California-IrvineWithin cap
University of California-Los Angeles$42,000/yr gap
University of La VerneWithin cap
University of San DiegoWithin cap
University of San FranciscoWithin cap
University of Southern California$38,128/yr gap
University of the Pacific$23,544/yr gap
Vanguard University of Southern California$56,000/yr gap
Colorado
All Colorado schools →Connecticut
All Connecticut schools →Washington D.C.
All Washington D.C. schools →Florida
All Florida schools →Barry University
Within cap
Florida Agricultural and Mechanical UniversityWithin cap
Florida International UniversityWithin cap
Florida State UniversityWithin cap
Nova Southeastern UniversityWithin cap
St. Thomas UniversityWithin cap
Stetson UniversityWithin cap
University of Florida$130/yr gap
University of Miami$14,858/yr gap
Georgia
All Georgia schools →Illinois
All Illinois schools →DePaul University
Within cap
Illinois Institute of Technology$3,810/yr gap
Loyola University ChicagoWithin cap
Northern Illinois UniversityWithin cap
Northwestern University$60,000/yr gap
Southern Illinois University-Carbondale$1,050/yr gap
University of Chicago$62,000/yr gap
University of Illinois ChicagoWithin cap
University of Illinois Urbana-Champaign$3,640/yr gap
Indiana
All Indiana schools →Kentucky
All Kentucky schools →Louisiana
All Louisiana schools →Massachusetts
All Massachusetts schools →Maryland
All Maryland schools →Michigan
All Michigan schools →Minnesota
All Minnesota schools →Missouri
All Missouri schools →Mississippi
All Mississippi schools →North Carolina
All North Carolina schools →Nebraska
All Nebraska schools →New Hampshire
All New Hampshire schools →New Jersey
All New Jersey schools →New York
All New York schools →Albany Law School
$27,671/yr gap
Brooklyn Law School$40,356/yr gap
Columbia University in the City of New York$62,000/yr gap
Cornell University$57,000/yr gap
Fordham UniversityWithin cap
Hofstra UniversityWithin cap
New York Law School$4,560/yr gap
New York University$58,000/yr gap
Pace UniversityWithin cap
St. John's University-New York$4,246/yr gap
Syracuse University$16,318/yr gap
Touro UniversityWithin cap
University at BuffaloWithin cap
Yeshiva University$5,150/yr gap
Capital University
Within cap
Case Western Reserve University$22,402/yr gap
Cleveland State UniversityWithin cap
Ohio Northern University$3,600/yr gap
Ohio State University-Main Campus$11,227/yr gap
University of Akron Main CampusWithin cap
University of Cincinnati-Main CampusWithin cap
University of DaytonWithin cap
University of ToledoWithin cap
Oklahoma
All Oklahoma schools →Oregon
All Oregon schools →Pennsylvania
All Pennsylvania schools →Cheyney University of Pennsylvania
$59,000/yr gap
Drexel University$7,074/yr gap
Duquesne UniversityWithin cap
Pennsylvania State University-Main Campus$13,828/yr gap
Temple UniversityWithin cap
University of Pennsylvania$16,034/yr gap
University of Pittsburgh-Pittsburgh Campus$15,034/yr gap
Villanova UniversityWithin cap
Widener UniversityWithin cap
Puerto Rico
All Puerto Rico schools →Tennessee
All Tennessee schools →Texas
All Texas schools →Baylor University
$11,130/yr gap
Southern Methodist University$7,062/yr gap
St. Mary's UniversityWithin cap
Texas A&M University-College StationWithin cap
Texas Southern UniversityWithin cap
Texas Tech UniversityWithin cap
The University of Texas at AustinWithin cap
University of HoustonWithin cap
University of North Texas at DallasWithin cap