Loan Cliff

PharmD (Pharmacy) Funding Gaps

After July 2026, PharmD students are capped at $50,000/yr in federal loans. 135 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 →
Auburn University
$3,908/yr gap
Samford University
Within cap

Arkansas

All Arkansas schools →
Harding University
Within cap
University of Arkansas for Medical Sciences
Within cap

Arizona

All Arizona schools →
Midwestern University-Glendale
$18,173/yr gap
University of Arizona
$3,961/yr gap

California

All California schools →
Chapman University
$8,604/yr gap
Keck Graduate Institute
$11,981/yr gap
Loma Linda University
$2,900/yr gap
Marshall B Ketchum University
$13,270/yr gap
Touro University California
$2,265/yr gap
University of California-San Diego
Within cap
University of California-San Francisco
Within cap
University of Southern California
$38,128/yr gap
University of the Pacific
$23,544/yr gap
Vanguard University of Southern California
$32,000/yr gap
Western University of Health Sciences
Within cap

Colorado

All Colorado schools →
Regis University
Within cap
University of Colorado Denver/Anschutz Medical Campus
Within cap

Connecticut

All Connecticut schools →
University of Connecticut
$14,106/yr gap
University of Saint Joseph
Within cap

Washington D.C.

All Washington D.C. schools →
Howard University
$8,050/yr gap

Florida

All Florida schools →
Florida Agricultural and Mechanical University
Within cap
Larkin University
Within cap
Nova Southeastern University
Within cap
Palm Beach Atlantic University
Within cap
University of Florida
$130/yr gap
University of South Florida
Within cap

Georgia

All Georgia schools →
Mercer University
Within cap
University of Georgia
Within cap

Hawaii

All Hawaii schools →
University of Hawaii at Hilo
Within cap

Iowa

All Iowa schools →
Drake University
Within cap
University of Iowa
$4,882/yr gap

Idaho

All Idaho schools →
Idaho State University
$152/yr gap

Illinois

All Illinois schools →
Chicago State University
Within cap
Midwestern University-Downers Grove
$16,686/yr gap
Roosevelt University
Within cap
Rosalind Franklin University of Medicine and Science
$4,167/yr gap
Southern Illinois University Edwardsville
Within cap
University of Illinois Chicago
Within cap

Indiana

All Indiana schools →
Butler University
Within cap
Manchester University
Within cap
Purdue University-Main Campus
Within cap

Kansas

All Kansas schools →
University of Kansas
Within cap

Kentucky

All Kentucky schools →
University of Kentucky
$5,459/yr gap

Louisiana

All Louisiana schools →
University of Louisiana at Monroe
Within cap
Xavier University of Louisiana
Within cap

Massachusetts

All Massachusetts schools →
MCPHS University
Within cap
Northeastern University
Within cap
Western New England University
Within cap

Maryland

All Maryland schools →
Notre Dame of Maryland University
Within cap
University of Maryland Eastern Shore
Within cap
University of Maryland, Baltimore
$6,320/yr gap

Maine

All Maine schools →
Husson University
Within cap
University of New England
$2,175/yr gap

Michigan

All Michigan schools →
Ferris State University
Within cap
University of Michigan-Ann Arbor
$25,052/yr gap
Wayne State University
$11,820/yr gap

Minnesota

All Minnesota schools →
University of Minnesota-Twin Cities
$1,555/yr gap

Missouri

All Missouri schools →
University of Health Sciences and Pharmacy in St. Louis
Within cap
University of Missouri-Kansas City
$760/yr gap

Mississippi

All Mississippi schools →
University of Mississippi
Within cap
William Carey University
Within cap

Montana

All Montana schools →
The University of Montana
$5,314/yr gap

North Carolina

All North Carolina schools →
Campbell University
Within cap
High Point University
$4,329/yr gap
University of North Carolina at Chapel Hill
$18,000/yr gap
Wingate University
Within cap

North Dakota

All North Dakota schools →
North Dakota State University-Main Campus
Within cap

Nebraska

All Nebraska schools →
Creighton University
Within cap
University of Nebraska Medical Center
Within cap

New Jersey

All New Jersey schools →
Fairleigh Dickinson University-Florham Campus
Within cap
Rutgers University-New Brunswick
$6,244/yr gap

New Mexico

All New Mexico schools →
University of New Mexico-Main Campus
Within cap

Nevada

All Nevada schools →
Roseman University of Health Sciences
Within cap

New York

All New York schools →
Albany College of Pharmacy and Health Sciences
$16,125/yr gap
Binghamton University
Within cap
D'Youville University
Within cap
Long Island University
Within cap
St. John Fisher University
Within cap
St. John's University-New York
$4,246/yr gap
Touro University
Within cap
University at Buffalo
Within cap

Ohio

All Ohio schools →
Cedarville University
Within cap
Northeast Ohio Medical University
Within cap
Ohio Northern University
$3,600/yr gap
Ohio State University-Main Campus
$11,227/yr gap
The University of Findlay
Within cap
University of Cincinnati-Main Campus
Within cap
University of Toledo
Within cap

Oklahoma

All Oklahoma schools →
Southwestern Oklahoma State University
Within cap
University of Oklahoma-Health Sciences Center
Within cap

Oregon

All Oregon schools →
Oregon State University
$1,698/yr gap
Pacific University
$7,805/yr gap

Pennsylvania

All Pennsylvania schools →
Duquesne University
Within cap
Lake Erie College of Osteopathic Medicine
Within cap
Philadelphia College of Osteopathic Medicine
Within cap
Saint Joseph's University - Philadelphia
Within cap
Temple University
Within cap
Thomas Jefferson University
Within cap
University of Pittsburgh-Pittsburgh Campus
$15,034/yr gap
Wilkes University
Within cap

Puerto Rico

All Puerto Rico schools →
University of Puerto Rico-Medical Sciences
Within cap

Rhode Island

All Rhode Island schools →
University of Rhode Island
$1,952/yr gap

South Carolina

All South Carolina schools →
Medical University of South Carolina
Within cap
Presbyterian College
$26,000/yr gap
University of South Carolina-Columbia
$160/yr gap

South Dakota

All South Dakota schools →
South Dakota State University
Within cap

Tennessee

All Tennessee schools →
Belmont University
Within cap
East Tennessee State University
Within cap
Lipscomb University
Within cap
The University of Tennessee Health Science Center
Within cap
Union University
Within cap

Texas

All Texas schools →
Texas A&M University-College Station
Within cap
Texas Southern University
Within cap
Texas Tech University Health Sciences Center
Within cap
The University of Texas at Austin
Within cap
The University of Texas at El Paso
Within cap
The University of Texas at Tyler
Within cap
University of Houston
Within cap
University of North Texas Health Science Center
Within cap
University of the Incarnate Word
Within cap

Utah

All Utah schools →
University of Utah
Within cap

Virginia

All Virginia schools →
Hampton University
Within cap
Shenandoah University
Within cap
Virginia Commonwealth University
$1,589/yr gap

Washington

All Washington schools →
University of Washington-Seattle Campus
$2,511/yr gap
Washington State University
Within cap

Wisconsin

All Wisconsin schools →
Concordia University-Wisconsin
Within cap
Medical College of Wisconsin
$150/yr gap
University of Wisconsin-Madison
Within cap

West Virginia

All West Virginia schools →
Marshall University
Within cap
University of Charleston
Within cap
West Virginia University
Within cap

Wyoming

All Wyoming schools →
University of Wyoming
Within cap