Loan Cliff

Master of Education Funding Gaps

After July 2026, MEd students are capped at $20,500/yr in federal loans. 1,131 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 →

Alder Graduate School of Education
$21,395/yr gap
America Evangelical University
$5,700/yr gap
American Jewish University
$27,662/yr gap
Azusa Pacific University
$16,830/yr gap
Biola University
$11,920/yr gap
California Baptist University
$14,414/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-Channel Islands
$17,255/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-Monterey Bay
$17,875/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
Claremont Graduate University
$36,650/yr gap
Concordia University-Irvine
$8,230/yr gap
Dominican University of California
$20,053/yr gap
Fielding Graduate University
$21,760/yr gap
Fresno Pacific University
$12,700/yr gap
High Tech High Graduate School of Education
$19,500/yr gap
Hope International University
$17,150/yr gap
Humphreys University-Stockton and Modesto Campuses
$10,570/yr gap
La Sierra University
$15,497/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
Northcentral University
$17,498/yr gap
Notre Dame de Namur University
$14,800/yr gap
Pacific Oaks College
$21,500/yr gap
Pacific Union College
$34,714/yr gap
Pepperdine University
$41,520/yr gap
Point Loma Nazarene University
$11,380/yr gap
Saint Mary's College of California
$33,400/yr gap
San Diego Christian College
$7,625/yr gap
San Diego State University
$18,728/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
Simpson University
$19,590/yr gap
Soka University of America
$36,950/yr gap
Sonoma State University
$18,628/yr gap
Southern California Institute of Architecture
$53,064/yr gap
Stanford University
$58,999/yr gap
Teachers College of San Joaquin
$6,477/yr gap
The Master's University and Seminary
$8,050/yr gap
Touro University California
$31,765/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-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 La Verne
$15,290/yr gap
University of Massachusetts Global
$12,782/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 Southern California
$67,628/yr gap
University of the Pacific
$53,044/yr gap
University of the People
$1,900/yr gap
Vanguard University of Southern California
$12,218/yr gap
Whittier College
$14,242/yr gap
William Jessup University
$12,940/yr gap
Aurora University
$14,863/yr gap
Bradley University
$18,514/yr gap
Chicago State University
$15,662/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
Elmhurst University
$33,537/yr gap
Erikson Institute
$20,088/yr gap
Governors State University
$9,572/yr gap
Greenville University
$8,284/yr gap
Illinois State University
$12,146/yr gap
Judson University
$18,208/yr gap
Lake Forest College
$15,712/yr gap
Lewis University
$14,990/yr gap
Loyola University Chicago
$21,805/yr gap
McKendree University
$8,950/yr gap
Moody Bible Institute
$8,842/yr gap
National Louis University
$11,725/yr gap
North Central College
$15,322/yr gap
North Park University
$15,691/yr gap
Northeastern Illinois University
$17,717/yr gap
Northern Illinois University
$8,590/yr gap
Northwestern University
$53,371/yr gap
Olivet Nazarene University
$10,457/yr gap
Quincy University
$10,975/yr gap
Rockford University
$13,560/yr gap
Roosevelt University
$22,594/yr gap
Rosalind Franklin University of Medicine and Science
$33,667/yr gap
Saint Xavier University
$14,910/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
Trinity Christian College
$14,573/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 St Francis
$14,257/yr gap
VanderCook College of Music
$7,495/yr gap
Western Illinois University
$12,790/yr gap
Wheaton College
$18,940/yr gap
American International College
$10,483/yr gap
Anna Maria College
$11,703/yr gap
Assumption University
$14,366/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
Cambridge College
$18,535/yr gap
Clark University
$48,090/yr gap
College of Our Lady of the Elms
$17,170/yr gap
Curry College
$17,014/yr gap
Eastern Nazarene College
$10,873/yr gap
Emerson College
$33,852/yr gap
Emmanuel College
$13,819/yr gap
Endicott College
$12,870/yr gap
Fitchburg State University
$5,746/yr gap
Framingham State University
$12,825/yr gap
Gordon College
$7,613/yr gap
Harvard University
$54,940/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 College of Liberal Arts
$7,353/yr gap
Merrimack College
$35,000/yr gap
MGH Institute of Health Professions
$66,315/yr gap
Mount Holyoke College
$32,210/yr gap
Northeastern University Professional Programs
$25,265/yr gap
Regis College
$23,188/yr gap
Salem State University
$10,247/yr gap
Simmons University
$28,162/yr gap
Smith College
$60,760/yr gap
Springfield College
$35,811/yr gap
Stonehill College
$32,616/yr gap
Suffolk University
$35,836/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
Worcester Polytechnic Institute
$28,540/yr gap
Worcester State University
$5,593/yr gap
Adelphi University
$47,575/yr gap
Alfred University
$25,330/yr gap
Bank Street College of Education
$45,140/yr gap
Bard College
$42,120/yr gap
Binghamton University
$25,760/yr gap
Boricua College
$17,600/yr gap
Canisius University
$16,180/yr gap
Clarkson University
$36,356/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
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
Daemen University
$25,363/yr gap
Dominican University New York
$24,226/yr gap
Elmira College
$15,555/yr gap
Empire State University
$23,850/yr gap
Fordham University
$25,454/yr gap
Hebrew Union College-Jewish Institute of Religion
$27,535/yr gap
Hobart William Smith Colleges
$25,795/yr gap
Hofstra University
$29,450/yr gap
Houghton University
$14,999/yr gap
Iona University
$24,047/yr gap
Ithaca College
$28,101/yr gap
Le Moyne College
$18,904/yr gap
Long Island University
$25,004/yr gap
Manhattan University
$22,100/yr gap
Manhattanville University
$18,520/yr gap
Marist University
$16,160/yr gap
Mercy University
$18,460/yr gap
Metropolitan College of New York
$22,250/yr gap
Molloy University
$25,770/yr gap
Mount Saint Mary College
$18,900/yr gap
Nazareth University
$25,760/yr gap
New York Institute of Technology
$27,870/yr gap
New York University
$40,624/yr gap
Niagara University
$14,350/yr gap
Pace University
$28,863/yr gap
Pratt Institute-Main
$38,486/yr gap
Roberts Wesleyan University
$14,945/yr gap
Rochester Institute of Technology
$57,264/yr gap
Russell Sage College
$12,740/yr gap
Sarah Lawrence College
$34,230/yr gap
St Bonaventure University
$15,350/yr gap
St Lawrence University
$23,340/yr gap
St. John Fisher University
$19,412/yr gap
St. John's University-New York
$33,746/yr gap
St. Joseph's University-New York
$22,778/yr gap
St. Thomas Aquinas College
$20,550/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
State University of New York at Plattsburgh
$24,411/yr gap
Stony Brook University
$26,623/yr gap
SUNY at Fredonia
$24,991/yr gap
SUNY Brockport
$14,168/yr gap
SUNY Buffalo State University
$24,137/yr gap
SUNY College at Geneseo
$23,990/yr gap
SUNY College at Potsdam
$24,042/yr gap
SUNY Old Westbury
$23,561/yr gap
SUNY Oneonta
$24,512/yr gap
Syracuse University
$45,818/yr gap
Teachers College at Columbia University
$35,487/yr gap
The College of Saint Rose
$16,042/yr gap
The New School
$52,518/yr gap
Touro University
$13,660/yr gap
University at Albany
$25,375/yr gap
University at Buffalo
$26,838/yr gap
University of Mount Saint Vincent
$15,400/yr gap
University of Rochester
$38,363/yr gap
Utica University
$25,080/yr gap
Wagner College
$23,560/yr gap
Yeshiva University
$34,650/yr gap
Art Academy of Cincinnati
$11,215/yr gap
Ashland University
$7,276/yr gap
Baldwin Wallace University
$11,668/yr gap
Bluffton University
$9,290/yr gap
Bowling Green State University-Main Campus
$15,783/yr gap
Capital University
$12,770/yr gap
Case Western Reserve University
$51,902/yr gap
Cleveland State University
$18,321/yr gap
Defiance College
$8,536/yr gap
Franciscan University of Steubenville
$12,748/yr gap
Franklin University
$11,560/yr gap
Heidelberg University
$12,161/yr gap
John Carroll University
$14,225/yr gap
Kent State University at Kent
$22,852/yr gap
Lake Erie College
$13,035/yr gap
Lourdes University
$16,686/yr gap
Malone University
$13,330/yr gap
Miami University-Oxford
$35,838/yr gap
Mount St. Joseph University
$13,995/yr gap
Mount Vernon Nazarene University
$10,174/yr gap
Muskingum University
$10,030/yr gap
Ohio Christian University
$11,328/yr gap
Ohio Dominican University
$13,248/yr gap
Ohio State University-Main Campus
$40,727/yr gap
Ohio University-Main Campus
$17,212/yr gap
Otterbein University
$14,128/yr gap
Shawnee State University
$18,462/yr gap
The University of Findlay
$17,956/yr gap
Tiffin University
$15,000/yr gap
University of Akron Main Campus
$14,671/yr gap
University of Cincinnati-Main Campus
$26,174/yr gap
University of Dayton
$18,540/yr gap
University of Mount Union
$41,050/yr gap
University of Rio Grande
$20,920/yr gap
University of Toledo
$28,353/yr gap
Ursuline College
$23,971/yr gap
Walsh University
$13,010/yr gap
Wittenberg University
$8,452/yr gap
Wright State University-Main Campus
$24,214/yr gap
Xavier University
$11,896/yr gap
Youngstown State University
$6,295/yr gap
Albright College
$1,010/yr gap
Alvernia University
$16,186/yr gap
Arcadia University
$33,113/yr gap
Bucknell University
$27,780/yr gap
Cabrini University
$1,855/yr gap
Cairn University-Langhorne
$8,965/yr gap
Carlow University
$21,610/yr gap
Cedar Crest College
$14,338/yr gap
Chatham University
$20,354/yr gap
Chestnut Hill College
$27,848/yr gap
Clarks Summit University
$5,976/yr gap
Commonwealth University of Pennsylvania
$16,504/yr gap
Delaware Valley University
$8,584/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
Geneva College
$12,082/yr gap
Gratz College
$18,037/yr gap
Gwynedd Mercy University
$15,289/yr gap
Harrisburg University of Science and Technology
$15,940/yr gap
Holy Family University
$13,634/yr gap
Immaculata University
$12,280/yr gap
Indiana University of Pennsylvania-Main Campus
$17,761/yr gap
Keystone College
$15,200/yr gap
King's College
$55,072/yr gap
Kutztown University of Pennsylvania
$16,242/yr gap
La Salle University
$27,270/yr gap
Lake Erie College of Osteopathic Medicine
$14,011/yr gap
Lancaster Bible College
$10,485/yr gap
Lebanon Valley College
$35,033/yr gap
Lehigh University
$27,520/yr gap
Lincoln University
$18,442/yr gap
Marywood University
$12,004/yr gap
Mercyhurst University
$14,693/yr gap
Messiah University
$13,090/yr gap
Millersville University of Pennsylvania
$16,299/yr gap
Misericordia University
$38,120/yr gap
Moore College of Art and Design
$64,969/yr gap
Moravian University
$18,094/yr gap
Neumann University
$10,800/yr gap
Peirce College
$13,796/yr gap
Pennsylvania State University-Main Campus
$43,328/yr gap
Pennsylvania State University-Penn State Harrisburg
$32,520/yr gap
Pennsylvania State University-Penn State York
$31,614/yr gap
Pennsylvania State University-World Campus
$23,906/yr gap
Pennsylvania Western University
$11,886/yr gap
Point Park University
$15,664/yr gap
Robert Morris University
$19,747/yr gap
Rosemont College
$12,280/yr gap
Saint Francis University
$21,440/yr gap
Saint Joseph's University - Philadelphia
$19,286/yr gap
Saint Vincent College
$14,084/yr gap
Salus University
$34,344/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
Susquehanna University
$56,900/yr gap
Temple University
$28,023/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
Waynesburg University
$16,420/yr gap
West Chester University of Pennsylvania
$16,924/yr gap
Westminster College
$8,500/yr gap
Widener University
$26,605/yr gap
Wilkes University
$25,564/yr gap
Wilson College
$8,950/yr gap
York College of Pennsylvania
$11,740/yr gap
Abilene Christian University
$23,674/yr gap
Amberton University
$6,735/yr gap
Angelo State University
$14,454/yr gap
Austin College
$29,100/yr gap
Baylor University
$40,630/yr gap
Concordia University Texas
$13,250/yr gap
Dallas Baptist University
$24,008/yr gap
East Texas A&M University
$14,404/yr gap
East Texas Baptist University
$7,180/yr gap
Hardin-Simmons University
$14,574/yr gap
Houston Christian University
$10,975/yr gap
Huston-Tillotson University
$27,730/yr gap
Lamar University
$15,486/yr gap
LeTourneau University
$16,375/yr gap
Lubbock Christian University
$11,121/yr gap
Midwestern State University
$7,739/yr gap
Nelson University
$8,860/yr gap
North American University
$10,663/yr gap
Our Lady of the Lake University
$17,998/yr gap
Prairie View A & M University
$16,878/yr gap
Rice University
$53,962/yr gap
Saint Edward's University
$29,070/yr gap
Sam Houston State University
$15,798/yr gap
Schreiner University
$22,852/yr gap
Southern Methodist University
$36,562/yr gap
Southwestern Adventist University
$24,088/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 Lutheran University
$33,520/yr gap
Texas Southern University
$15,228/yr gap
Texas State University
$17,801/yr gap
Texas Tech University
$17,418/yr gap
Texas Wesleyan University
$18,908/yr gap
Texas Woman's University
$14,950/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 Health Science Center at San Antonio
$13,164/yr gap
The University of Texas Permian Basin
$13,750/yr gap
The University of Texas Rio Grande Valley
$15,494/yr gap
Trinity University
$23,097/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 Mary Hardin-Baylor
$20,345/yr gap
University of North Texas
$16,122/yr gap
University of North Texas at Dallas
$13,434/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