Loan Cliff

Master of Arts Funding Gaps

After July 2026, MA students are capped at $20,500/yr in federal loans. 999 schools below all have programs where the cost of attendance exceeds that cap. Click your school to see the exact gap.

New Federal Cap — Graduate Student

$20,500/yr

The Reconciliation Act of 2025 eliminated Grad PLUS on July 1, 2026. Any school cost above $20,500/yr must be covered by private loans or other funding. Learn more →

Academy for Jewish Religion California
$29,170/yr gap
America Evangelical University
$5,700/yr gap
American Film Institute Conservatory
$67,603/yr gap
American Jewish University
$27,662/yr gap
Antioch University-Los Angeles
$21,616/yr gap
Antioch University-Santa Barbara
$31,850/yr gap
Art Center College of Design
$54,018/yr gap
Azusa Pacific University
$16,830/yr gap
Berkeley School of Theology
$19,140/yr gap
Bethesda University
$6,080/yr gap
Biola University
$11,920/yr gap
California Baptist University
$14,414/yr gap
California College of the Arts
$60,530/yr gap
California Institute of Integral Studies
$23,110/yr gap
California Institute of the Arts
$41,290/yr gap
California Lutheran University
$21,998/yr gap
California Polytechnic State University-San Luis Obispo
$21,513/yr gap
California State Polytechnic University-Humboldt
$18,351/yr gap
California State Polytechnic University-Pomona
$17,877/yr gap
California State University-Bakersfield
$18,134/yr gap
California State University-Chico
$18,502/yr gap
California State University-Dominguez Hills
$17,502/yr gap
California State University-East Bay
$17,493/yr gap
California State University-Fresno
$17,418/yr gap
California State University-Fullerton
$17,511/yr gap
California State University-Long Beach
$17,446/yr gap
California State University-Los Angeles
$17,256/yr gap
California State University-Northridge
$17,533/yr gap
California State University-Sacramento
$18,040/yr gap
California State University-San Bernardino
$18,113/yr gap
California State University-San Marcos
$18,172/yr gap
California State University-Stanislaus
$18,264/yr gap
Chapman University
$38,104/yr gap
Church Divinity School of the Pacific
$17,160/yr gap
Claremont Graduate University
$36,650/yr gap
Claremont School of Theology
$26,020/yr gap
Concordia University-Irvine
$8,230/yr gap
Dominican School of Philosophy & Theology
$21,130/yr gap
Dominican University of California
$20,053/yr gap
Epic Bible College & Graduate School
$17,452/yr gap
Franciscan School of Theology
$14,546/yr gap
Fresno Pacific University
$12,700/yr gap
Fuller Theological Seminary
$23,584/yr gap
Grace Mission University
$2,140/yr gap
Graduate Theological Union
$23,643/yr gap
Hope International University
$17,150/yr gap
Institute of Buddhist Studies
$19,900/yr gap
La Sierra University
$15,497/yr gap
Laguna College of Art and Design
$40,720/yr gap
Life Pacific University
$12,780/yr gap
Loma Linda University
$32,400/yr gap
Loyola Marymount University
$21,402/yr gap
Middlebury Institute of International Studies at Monterey
$46,526/yr gap
Mount Saint Mary's University
$13,394/yr gap
National University
$15,412/yr gap
Otis College of Art and Design
$51,980/yr gap
Pacific School of Religion
$19,030/yr gap
Pepperdine University
$41,520/yr gap
Point Loma Nazarene University
$11,380/yr gap
Presbyterian Theological Seminary in America
$7,427/yr gap
Saint Mary's College of California
$33,400/yr gap
San Diego State University
$18,728/yr gap
San Francisco Conservatory of Music
$54,050/yr gap
San Francisco State University
$17,862/yr gap
San Jose State University
$18,430/yr gap
Santa Clara University
$25,373/yr gap
Shasta Bible College and Graduate School
$8,085/yr gap
Simpson University
$19,590/yr gap
Sonoma State University
$18,628/yr gap
Southern California Seminary
$18,220/yr gap
Stanford University
$58,999/yr gap
Starr King School for the Ministry
$27,290/yr gap
SUM Bible College and Theological Seminary
$5,395/yr gap
The Master's University and Seminary
$8,050/yr gap
University of California-Berkeley
$29,863/yr gap
University of California-Davis
$29,162/yr gap
University of California-Irvine
$28,877/yr gap
University of California-Los Angeles
$28,485/yr gap
University of California-Merced
$28,789/yr gap
University of California-Riverside
$28,968/yr gap
University of California-San Diego
$29,137/yr gap
University of California-Santa Barbara
$29,055/yr gap
University of California-Santa Cruz
$29,457/yr gap
University of Redlands
$24,572/yr gap
University of San Diego
$28,828/yr gap
University of San Francisco
$28,640/yr gap
University of Silicon Andhra
$26,600/yr gap
University of Southern California
$67,628/yr gap
University of the West
$13,139/yr gap
Vanguard University of Southern California
$12,218/yr gap
Westminster Theological Seminary in California
$16,050/yr gap
World Mission University
$5,100/yr gap
Benedictine University
$19,758/yr gap
Bexley Hall Seabury Western Theological Seminary Federation, Inc.
$19,345/yr gap
Bradley University
$18,514/yr gap
Catholic Theological Union at Chicago
$22,732/yr gap
Chicago State University
$15,662/yr gap
Chicago Theological Seminary
$26,098/yr gap
Columbia College Chicago
$1,964/yr gap
Concordia University-Chicago
$10,282/yr gap
DePaul University
$22,025/yr gap
Dominican University
$19,000/yr gap
Eastern Illinois University
$22,195/yr gap
Garrett-Evangelical Theological Seminary
$23,965/yr gap
Governors State University
$9,572/yr gap
Illinois Institute of Technology
$33,310/yr gap
Illinois State University
$12,146/yr gap
Judson University
$18,208/yr gap
Lake Forest College
$15,712/yr gap
Lincoln Christian University
$9,410/yr gap
Loyola University Chicago
$21,805/yr gap
Lutheran School of Theology at Chicago
$18,220/yr gap
McCormick Theological Seminary
$8,910/yr gap
Meadville Theological School of Lombard College
$26,914/yr gap
Moody Bible Institute
$8,842/yr gap
North Central College
$15,322/yr gap
North Park University
$15,691/yr gap
Northeastern Illinois University
$17,717/yr gap
Northern Baptist Theological Seminary
$13,635/yr gap
Northern Illinois University
$8,590/yr gap
Northwestern University
$53,371/yr gap
Olivet Nazarene University
$10,457/yr gap
Roosevelt University
$22,594/yr gap
School of the Art Institute of Chicago
$44,134/yr gap
Southern Illinois University Edwardsville
$9,602/yr gap
Southern Illinois University-Carbondale
$30,550/yr gap
Spertus College
$20,900/yr gap
Telshe Yeshiva-Chicago
$7,500/yr gap
Trinity International University-Illinois
$18,020/yr gap
University of Chicago
$66,043/yr gap
University of Illinois Chicago
$28,141/yr gap
University of Illinois Springfield
$18,746/yr gap
University of Illinois Urbana-Champaign
$33,140/yr gap
University of Saint Mary of the Lake
$34,140/yr gap
Western Illinois University
$12,790/yr gap
Wheaton College
$18,940/yr gap
Anna Maria College
$11,703/yr gap
Bay Path University
$18,735/yr gap
Berklee College of Music
$49,434/yr gap
Boston College
$35,400/yr gap
Boston University
$64,212/yr gap
Brandeis University
$61,078/yr gap
Bridgewater State University
$8,541/yr gap
Clark University
$48,090/yr gap
Emerson College
$33,852/yr gap
Fitchburg State University
$5,746/yr gap
Framingham State University
$12,825/yr gap
Gordon-Conwell Theological Seminary
$24,140/yr gap
Harvard University
$54,940/yr gap
Hebrew College
$32,560/yr gap
Hellenic College-Holy Cross Greek Orthodox School of Theology
$21,990/yr gap
Lasell University
$11,182/yr gap
Lesley University
$19,150/yr gap
Longy School of Music of Bard College
$52,450/yr gap
Massachusetts College of Art and Design
$25,000/yr gap
Massachusetts Institute of Technology
$62,893/yr gap
Merrimack College
$35,000/yr gap
Northeastern University
$27,600/yr gap
Northeastern University Professional Programs
$25,265/yr gap
Pope St John XXIII National Seminary
$27,500/yr gap
Saint John's Seminary
$22,231/yr gap
Salem State University
$10,247/yr gap
Simmons University
$28,162/yr gap
Smith College
$60,760/yr gap
Suffolk University
$35,836/yr gap
The New England Conservatory of Music
$58,050/yr gap
Tufts University
$48,976/yr gap
University of Massachusetts-Amherst
$34,220/yr gap
University of Massachusetts-Boston
$37,906/yr gap
University of Massachusetts-Dartmouth
$29,753/yr gap
University of Massachusetts-Lowell
$27,926/yr gap
Western New England University
$17,700/yr gap
Westfield State University
$7,762/yr gap
Williams College
$64,040/yr gap
Worcester Polytechnic Institute
$28,540/yr gap
Worcester State University
$5,593/yr gap
Academy for Jewish Religion
$34,806/yr gap
Adelphi University
$47,575/yr gap
Alfred University
$25,330/yr gap
American Musical and Dramatic Academy
$45,060/yr gap
Bard College
$42,120/yr gap
Binghamton University
$25,760/yr gap
Central Yeshiva Tomchei Tmimim Lubavitz
$5,700/yr gap
Colgate Rochester Crozer Divinity School
$3,400/yr gap
Colgate University
$66,524/yr gap
College of Staten Island CUNY
$20,580/yr gap
Columbia University in the City of New York
$55,779/yr gap
Cornell University
$29,585/yr gap
CUNY Bernard M Baruch College
$20,382/yr gap
CUNY Brooklyn College
$20,454/yr gap
CUNY City College
$20,332/yr gap
CUNY Graduate School and University Center
$23,140/yr gap
CUNY Hunter College
$20,328/yr gap
CUNY Lehman College
$20,500/yr gap
CUNY Queens College
$20,542/yr gap
Empire State University
$23,850/yr gap
Fashion Institute of Technology
$23,966/yr gap
Fordham University
$25,454/yr gap
Hebrew Union College-Jewish Institute of Religion
$27,535/yr gap
HJ International Graduate School for Peace and Public Leadership
$13,420/yr gap
Hofstra University
$29,450/yr gap
Houghton University
$14,999/yr gap
Ithaca College
$28,101/yr gap
Jewish Theological Seminary of America
$38,960/yr gap
Le Moyne College
$18,904/yr gap
Long Island University
$25,004/yr gap
Manhattan School of Music
$54,100/yr gap
Manhattanville University
$18,520/yr gap
Mercy University
$18,460/yr gap
Mirrer Yeshiva Cent Institute
$12,000/yr gap
Nazareth University
$25,760/yr gap
New York Academy of Art
$47,500/yr gap
New York School of Interior Design
$42,430/yr gap
New York Theological Seminary
$17,080/yr gap
New York University
$40,624/yr gap
Northeastern Seminary
$10,040/yr gap
Pace University
$28,863/yr gap
Pratt Institute-Main
$38,486/yr gap
Rabbinical Academy Mesivta Rabbi Chaim Berlin
$12,950/yr gap
Rabbinical College Bobover Yeshiva Bnei Zion
$2,950/yr gap
Rabbinical Seminary of America
$9,500/yr gap
Rensselaer Polytechnic Institute
$61,373/yr gap
Rochester Institute of Technology
$57,264/yr gap
Saint Vladimirs Orthodox Theological Seminary
$13,360/yr gap
Sarah Lawrence College
$34,230/yr gap
St Bernard's School of Theology and Ministry
$13,090/yr gap
St. Francis College
$15,500/yr gap
St. John's University-New York
$33,746/yr gap
St. Joseph's University-New York
$22,778/yr gap
State University of New York at Cortland
$24,345/yr gap
State University of New York at New Paltz
$24,054/yr gap
State University of New York at Oswego
$24,522/yr gap
Stony Brook University
$26,623/yr gap
SUNY at Fredonia
$24,991/yr gap
SUNY at Purchase College
$24,483/yr gap
SUNY Brockport
$14,168/yr gap
SUNY Buffalo State University
$24,137/yr gap
SUNY College at Potsdam
$24,042/yr gap
SUNY Old Westbury
$23,561/yr gap
Syracuse University
$45,818/yr gap
Teachers College at Columbia University
$35,487/yr gap
The Juilliard School
$56,050/yr gap
The New School
$52,518/yr gap
Touro University
$13,660/yr gap
Union Theological Seminary in the City of New York
$30,381/yr gap
University at Albany
$25,375/yr gap
University at Buffalo
$26,838/yr gap
University of Rochester
$38,363/yr gap
Wagner College
$23,560/yr gap
Yeshiva Derech Chaim
$12,200/yr gap
Yeshiva University
$34,650/yr gap
Arcadia University
$33,113/yr gap
Bryn Mawr College
$52,006/yr gap
Bucknell University
$27,780/yr gap
Byzantine Catholic Seminary of Saints Cyril and Methodius
$13,100/yr gap
Cairn University-Langhorne
$8,965/yr gap
Carlow University
$21,610/yr gap
Carnegie Mellon University
$48,950/yr gap
Cedar Crest College
$14,338/yr gap
Chatham University
$20,354/yr gap
Clarks Summit University
$5,976/yr gap
Curtis Institute of Music
$5,500/yr gap
DeSales University
$22,460/yr gap
Drexel University
$36,574/yr gap
Duquesne University
$26,068/yr gap
East Stroudsburg University of Pennsylvania
$16,270/yr gap
Eastern University
$14,224/yr gap
Elizabethtown College
$35,666/yr gap
Gannon University
$21,780/yr gap
Gettysburg College
$4,000/yr gap
Gratz College
$18,037/yr gap
Indiana University of Pennsylvania-Main Campus
$17,761/yr gap
Kutztown University of Pennsylvania
$16,242/yr gap
La Salle University
$27,270/yr gap
Lancaster Bible College
$10,485/yr gap
Lancaster Theological Seminary
$20,199/yr gap
Lehigh University
$27,520/yr gap
Marywood University
$12,004/yr gap
Messiah University
$13,090/yr gap
Millersville University of Pennsylvania
$16,299/yr gap
Missio Theological Seminary
$13,500/yr gap
Moore College of Art and Design
$64,969/yr gap
Moravian University
$18,094/yr gap
Neumann University
$10,800/yr gap
Pennsylvania Academy of the Fine Arts
$44,100/yr gap
Pennsylvania State University-Main Campus
$43,328/yr gap
Pennsylvania State University-Penn State Harrisburg
$32,520/yr gap
Pennsylvania State University-World Campus
$23,906/yr gap
Pennsylvania Western University
$11,886/yr gap
Pittsburgh Theological Seminary
$12,490/yr gap
Point Park University
$15,664/yr gap
Reconstructionist Rabbinical College
$27,736/yr gap
Rosemont College
$12,280/yr gap
Saint Charles Borromeo Seminary-Overbrook
$26,952/yr gap
Saint Joseph's University - Philadelphia
$19,286/yr gap
Saint Vincent Seminary
$33,468/yr gap
Seton Hill University
$16,538/yr gap
Shippensburg University of Pennsylvania
$16,690/yr gap
Slippery Rock University of Pennsylvania
$17,716/yr gap
Temple University
$28,023/yr gap
Theological Seminary of the Reformed Episcopal Church
$14,125/yr gap
Thomas Jefferson University
$23,314/yr gap
Trinity Anglican Seminary
$14,260/yr gap
United Lutheran Seminary
$25,000/yr gap
University of Pennsylvania
$45,534/yr gap
University of Pittsburgh-Pittsburgh Campus
$44,534/yr gap
University of Scranton
$11,130/yr gap
University of the Arts
$53,790/yr gap
University of Valley Forge
$9,040/yr gap
Villanova University
$20,861/yr gap
West Chester University of Pennsylvania
$16,924/yr gap
Westminster Theological Seminary
$22,710/yr gap
Wilkes University
$25,564/yr gap
Wilson College
$8,950/yr gap
Won Institute of Graduate Studies
$21,740/yr gap
York College of Pennsylvania
$11,740/yr gap
Abilene Christian University
$23,674/yr gap
Angelo State University
$14,454/yr gap
Austin Presbyterian Theological Seminary
$15,520/yr gap
Bakke Graduate University
$333/yr gap
Baptist Missionary Association Theological Seminary
$9,550/yr gap
Baylor University
$40,630/yr gap
Brite Divinity School
$19,720/yr gap
Criswell College
$11,080/yr gap
Dallas Baptist University
$24,008/yr gap
Dallas Theological Seminary
$19,245/yr gap
East Texas A&M University
$14,404/yr gap
East Texas Baptist University
$7,180/yr gap
Episcopal Theological Seminary of the Southwest
$18,205/yr gap
Grace School of Theology
$4,620/yr gap
Hardin-Simmons University
$14,574/yr gap
Houston Christian University
$10,975/yr gap
Howard Payne University
$10,520/yr gap
Lamar University
$15,486/yr gap
Lubbock Christian University
$11,121/yr gap
Midwestern State University
$7,739/yr gap
Nelson University
$8,860/yr gap
Oblate School of Theology
$23,980/yr gap
Redeemers University North America
$6,600/yr gap
Rice University
$53,962/yr gap
Sam Houston State University
$15,798/yr gap
Southern Methodist University
$36,562/yr gap
St. Mary's University
$20,506/yr gap
Stephen F Austin State University
$14,493/yr gap
Sul Ross State University
$13,505/yr gap
Tarleton State University
$14,557/yr gap
Texas A & M International University
$14,923/yr gap
Texas A & M University-Corpus Christi
$15,495/yr gap
Texas A&M University-Central Texas
$13,086/yr gap
Texas A&M University-College Station
$23,590/yr gap
Texas A&M University-Kingsville
$14,060/yr gap
Texas A&M University-San Antonio
$14,687/yr gap
Texas A&M University-Texarkana
$15,152/yr gap
Texas Christian University
$35,278/yr gap
Texas Southern University
$15,228/yr gap
Texas State University
$17,801/yr gap
Texas Tech University
$17,418/yr gap
Texas Woman's University
$14,950/yr gap
The King's University
$10,030/yr gap
The Southwestern Baptist Theological Seminary
$6,556/yr gap
The University of Texas at Arlington
$24,845/yr gap
The University of Texas at Austin
$22,454/yr gap
The University of Texas at Dallas
$28,968/yr gap
The University of Texas at El Paso
$16,121/yr gap
The University of Texas at San Antonio
$28,253/yr gap
The University of Texas at Tyler
$16,908/yr gap
The University of Texas Permian Basin
$13,750/yr gap
The University of Texas Rio Grande Valley
$15,494/yr gap
University of Dallas
$33,925/yr gap
University of Houston
$18,609/yr gap
University of Houston-Clear Lake
$18,580/yr gap
University of Houston-Downtown
$15,689/yr gap
University of Houston-Victoria
$15,035/yr gap
University of North Texas
$16,122/yr gap
University of St Thomas
$21,134/yr gap
University of the Incarnate Word
$20,370/yr gap
Wayland Baptist University
$15,454/yr gap
West Texas A & M University
$8,074/yr gap