PhD Funding Gaps

After July 2026, PhD students are capped at $20,500/yr in federal loans. 739 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 →

Alaska

All Alaska schools →

University of Alaska Anchorage

University of Alaska Fairbanks

Alabama

All Alabama schools →

Alabama A & M University

Alabama State University

Amridge University

Auburn University

Huntsville Bible College

Jacksonville State University

Samford University

The University of Alabama

Troy University

Tuskegee University

University of Alabama at Birmingham

University of Alabama in Huntsville

University of Mobile

University of North Alabama

University of South Alabama

University of West Alabama

Arkansas

All Arkansas schools →

Arkansas State University

Arkansas Tech University

Harding University

University of Arkansas

University of Arkansas at Little Rock

University of Arkansas for Medical Sciences

University of Central Arkansas

Arizona

All Arizona schools →

Arizona State University Campus Immersion

Arizona State University Digital Immersion

Northern Arizona University

Phoenix Seminary

Prescott College

University of Arizona

California

All California schools →

Academy of Chinese Culture and Health Sciences

Azusa Pacific University

Biola University

California Baptist University

California Institute of Integral Studies

California Institute of Technology

California Institute of the Arts

California State Polytechnic University-Pomona

California State University-Bakersfield

California State University-East Bay

California State University-Fresno

California State University-Fullerton

California State University-Long Beach

California State University-Los Angeles

California State University-Northridge

California State University-Sacramento

California State University-San Bernardino

California State University-Stanislaus

Chapman University

Claremont Graduate University

Claremont School of Theology

Concordia University-Irvine

Daybreak University

Dominican University of California

Fielding Graduate University

Fuller Theological Seminary

Golden Gate University

Graduate Theological Union

Keck Graduate Institute

La Sierra University

Loma Linda University

Loyola Marymount University

National University

Northcentral University

Palo Alto University

Pepperdine University

RAND School of Public Policy

Saint Mary's College of California

San Diego State University

San Francisco State University

San Jose State University

Santa Clara University

Saybrook University

Stanford University

The Chicago School at Los Angeles

The Master's University and Seminary

Touro University Worldwide

University of California-Berkeley

University of California-Davis

University of California-Irvine

University of California-Los Angeles

University of California-Merced

University of California-Riverside

University of California-San Diego

University of California-San Francisco

University of California-Santa Barbara

University of California-Santa Cruz

University of La Verne

University of Massachusetts Global

University of Redlands

University of San Diego

University of San Francisco

University of Southern California

University of the Pacific

University of the West

Colorado

All Colorado schools →

Adams State University

Colorado School of Mines

Colorado State University-Fort Collins

Iliff School of Theology

University of Colorado Boulder

University of Colorado Colorado Springs

University of Colorado Denver/Anschutz Medical Campus

University of Denver

University of Northern Colorado

Connecticut

All Connecticut schools →

Central Connecticut State University

Hartford International University for Religion and Peace

Sacred Heart University

Southern Connecticut State University

University of Bridgeport

University of Connecticut

University of Hartford

University of New Haven

Wesleyan University

Yale University

Washington D.C.

All Washington D.C. schools →

American University

Gallaudet University

George Washington University

Georgetown University

Howard University

Pontifical John Paul II Institute for Studies on Marriage and Family

The Catholic University of America

The Chicago School at Washington DC

University of the District of Columbia

Delaware

All Delaware schools →

Delaware State University

Goldey-Beacom College

University of Delaware

Wilmington University

Florida

All Florida schools →

Albizu University-Miami

Ave Maria University

Barry University

Embry-Riddle Aeronautical University-Daytona Beach

Faith Theological Seminary and Christian College

Florida Agricultural and Mechanical University

Florida Atlantic University

Florida Gulf Coast University

Florida Institute of Technology

Florida International University

Florida Southern College

Florida State University

Jacksonville University

Keiser University-Ft Lauderdale

Lynn University

Nova Southeastern University

Palm Beach Atlantic University

Rollins College

Saint Leo University

Southeastern University

St. Thomas University

University of Central Florida

University of Florida

University of Miami

University of North Florida

University of South Florida

University of West Florida

Hawaii

All Hawaii schools →

University of Hawaii at Hilo

University of Hawaii at Manoa

Iowa

All Iowa schools →

Drake University

Iowa State University

Maharishi International University

Saint Ambrose University

University of Iowa

Idaho

All Idaho schools →

Boise State University

Idaho State University

Northwest Nazarene University

University of Idaho

Illinois

All Illinois schools →

Adler University

Aurora University

Benedictine University

Chicago State University

Chicago Theological Seminary

Concordia University-Chicago

DePaul University

Dominican University

Garrett-Evangelical Theological Seminary

Governors State University

Illinois Institute of Technology

Illinois State University

Institute for Clinical Social Work

Judson University

Lewis University

Loyola University Chicago

Lutheran School of Theology at Chicago

McKendree University

National Louis University

Northern Baptist Theological Seminary

Northern Illinois University

Northwestern University

Olivet Nazarene University

Roosevelt University

Rosalind Franklin University of Medicine and Science

Rush University

Southern Illinois University Edwardsville

Southern Illinois University-Carbondale

Spertus College

The Chicago School at Chicago

Toyota Technological Institute at Chicago

Trinity International University-Illinois

University of Chicago

University of Illinois Chicago

University of Illinois Springfield

University of Illinois Urbana-Champaign

University of St Francis

Western Illinois University

Wheaton College

Indiana

All Indiana schools →

Anderson University

Ball State University

Concordia Theological Seminary

Indiana Institute of Technology

Indiana State University

Indiana University-Bloomington

Indiana University-Indianapolis

Indiana Wesleyan University-National & Global

Marian University

Oakland City University

Purdue University-Main Campus

University of Indianapolis

University of Notre Dame

University of Southern Indiana

Kansas

All Kansas schools →

Baker University

Emporia State University

Kansas State University

Southwestern College

University of Kansas

Wichita State University

Kentucky

All Kentucky schools →

Asbury Theological Seminary

Bellarmine University

Lindsey Wilson College

Louisville Presbyterian Theological Seminary

Northern Kentucky University

Spalding University

The Southern Baptist Theological Seminary

University of Kentucky

University of Louisville

University of the Cumberlands

Louisiana

All Louisiana schools →

Grambling State University

Louisiana State University and Agricultural & Mechanical College

Louisiana State University Health Sciences Center-New Orleans

Louisiana State University Health Sciences Center-Shreveport

Louisiana State University-Shreveport

Louisiana Tech University

New Orleans Baptist Theological Seminary

Northwestern State University of Louisiana

Southeastern Louisiana University

Southern University and A & M College

Tulane University of Louisiana

University of Holy Cross

University of Louisiana at Lafayette

University of Louisiana at Monroe

University of New Orleans

Xavier University of Louisiana

Massachusetts

All Massachusetts schools →

American International College

Bentley University

Boston University

Brandeis University

Cambridge College

Clark University

Endicott College

Harvard University

Lesley University

Massachusetts Institute of Technology

MCPHS University

MGH Institute of Health Professions

Northeastern University

Simmons University

Springfield College

Suffolk University

The New England Conservatory of Music

Tufts University

University of Massachusetts Chan Medical School

University of Massachusetts-Amherst

University of Massachusetts-Boston

University of Massachusetts-Dartmouth

University of Massachusetts-Lowell

Western New England University

Worcester Polytechnic Institute

Maryland

All Maryland schools →

Bowie State University

Capitol Technology University

Frostburg State University

Johns Hopkins University

Morgan State University

Ner Israel Rabbinical College

Notre Dame of Maryland University

Salisbury University

Towson University

University of Baltimore

University of Maryland Eastern Shore

University of Maryland-Baltimore County

University of Maryland-College Park

University of Maryland, Baltimore

Maine

All Maine schools →

Institute for Doctoral Studies in the Visual Arts

University of Maine

University of New England

University of Southern Maine

Michigan

All Michigan schools →

Minnesota

All Minnesota schools →

Bethel University

Concordia University-Saint Paul

Hamline University

Mayo Clinic College of Medicine and Science

Minnesota State University Moorhead

Minnesota State University-Mankato

Saint Cloud State University

Saint Mary's University of Minnesota

University of Minnesota-Twin Cities

University of St Thomas

Winona State University

Missouri

All Missouri schools →

A T Still University of Health Sciences

Aquinas Institute of Theology

Concordia Seminary

Eden Theological Seminary

Evangel University

Fontbonne University

Lindenwood University

Logan University

Maryville University of Saint Louis

Midwestern Baptist Theological Seminary

Missouri Baptist University

Missouri State University-Springfield

Missouri University of Science and Technology

Rockhurst University

Saint Louis University

Southwest Baptist University

University of Missouri-Columbia

University of Missouri-Kansas City

University of Missouri-St Louis

Washington University in St Louis

Webster University

William Woods University

Mississippi

All Mississippi schools →

Belhaven University

Delta State University

Jackson State University

Mississippi College

Mississippi State University

University of Mississippi

University of Southern Mississippi

William Carey University

Montana

All Montana schools →

Montana State University

Montana Technological University

The University of Montana

North Carolina

All North Carolina schools →

Appalachian State University

Carolina University

Duke University

East Carolina University

Fayetteville State University

Gardner-Webb University

High Point University

North Carolina A & T State University

North Carolina Central University

North Carolina State University at Raleigh

Southeastern Baptist Theological Seminary

University of North Carolina at Chapel Hill

University of North Carolina at Charlotte

University of North Carolina at Greensboro

University of North Carolina Wilmington

Wake Forest University

Western Carolina University

Wingate University

North Dakota

All North Dakota schools →

North Dakota State University-Main Campus

University of Mary

University of North Dakota

Nebraska

All Nebraska schools →

Bellevue University

Bryan College of Health Sciences

College of Saint Mary

Creighton University

Doane University

University of Nebraska at Omaha

University of Nebraska Medical Center

University of Nebraska-Lincoln

New Hampshire

All New Hampshire schools →

Antioch University-New England

Dartmouth College

New England College

Plymouth State University

Rivier University

Southern New Hampshire University

University of New Hampshire-Main Campus

New Jersey

All New Jersey schools →

New Mexico

All New Mexico schools →

New Mexico Institute of Mining and Technology

New Mexico State University-Main Campus

University of New Mexico-Main Campus

University of the Southwest

Nevada

All Nevada schools →

Touro University Nevada

University of Nevada-Las Vegas

University of Nevada-Reno

New York

All New York schools →

Adelphi University

Albany Medical College

Albert Einstein College of Medicine

Alfred University

Binghamton University

Clarkson University

College of Staten Island CUNY

Columbia University in the City of New York

Cornell University

CUNY City College

CUNY Graduate School and University Center

CUNY Hunter College

CUNY Lehman College

D'Youville University

Elmezzi Graduate School of Molecular Medicine

Fordham University

Hebrew Union College-Jewish Institute of Religion

Hofstra University

Icahn School of Medicine at Mount Sinai

Jewish Theological Seminary of America

Long Island University

Manhattanville University

Mirrer Yeshiva Cent Institute

Molloy University

New York Medical College

New York University

Niagara University

Pace University

Rensselaer Polytechnic Institute

Rochester Institute of Technology

Russell Sage College

St. John Fisher University

St. John's University-New York

Stony Brook University

SUNY College of Environmental Science and Forestry

SUNY College of Optometry

SUNY Downstate Health Sciences University

SUNY Polytechnic Institute

Syracuse University

Teachers College at Columbia University

The Juilliard School

Touro University

University at Albany

University at Buffalo

University of Rochester

Upstate Medical University

Weill Medical College of Cornell University

Yeshiva Derech Chaim

Yeshiva University

Ohio

All Ohio schools →

Air Force Institute of Technology-Graduate School of Engineering & Management

Antioch University

Ashland University

Bowling Green State University-Main Campus

Case Western Reserve University

Cleveland State University

Franklin University

Kent State University at Kent

Miami University-Oxford

Northeast Ohio Medical University

Ohio State University-Main Campus

Ohio University-Main Campus

The University of Findlay

Tiffin University

University of Akron Main Campus

University of Cincinnati-Main Campus

University of Dayton

University of Toledo

Wright State University-Main Campus

Youngstown State University

Oklahoma

All Oklahoma schools →

Oklahoma City University

Oklahoma State University Center for Health Sciences

Oklahoma State University-Main Campus

Oral Roberts University

Phillips Theological Seminary

Southern Nazarene University

University of Oklahoma-Health Sciences Center

University of Oklahoma-Norman Campus

University of Tulsa

Oregon

All Oregon schools →

George Fox University

Oregon Health & Science University

Oregon State University

Pacific University

Portland State University

University of Oregon

University of Western States

Western Seminary

Pennsylvania

All Pennsylvania schools →

Alvernia University

Arcadia University

Bryn Mawr College

Cabrini University

Carnegie Mellon University

Cheyney University of Pennsylvania

Clarks Summit University

Delaware Valley University

Drexel University

Duquesne University

Eastern University

Gannon University

Gwynedd Mercy University

Harrisburg University of Science and Technology

Holy Family University

Immaculata University

Indiana University of Pennsylvania-Main Campus

Lake Erie College of Osteopathic Medicine

Lancaster Bible College

Lehigh University

Marywood University

Neumann University

Pennsylvania State University-Main Campus

Pennsylvania State University-Penn State Harrisburg

Pittsburgh Theological Seminary

Point Park University

Robert Morris University

Saint Joseph's University - Philadelphia

Salus University

Slippery Rock University of Pennsylvania

Temple University

Thomas Jefferson University

United Lutheran Seminary

University of Pennsylvania

University of Pittsburgh-Pittsburgh Campus

University of Scranton

University of the Arts

Villanova University

Waynesburg University

West Chester University of Pennsylvania

Westminster Theological Seminary

Widener University

Wilkes University

Puerto Rico

All Puerto Rico schools →

Albizu University-San Juan

Caribbean University-Bayamon

Caribbean University-Ponce

Inter American University of Puerto Rico-Metro

Inter American University of Puerto Rico-Ponce

Inter American University of Puerto Rico-San German

Pontifical Catholic University of Puerto Rico-Arecibo

Pontifical Catholic University of Puerto Rico-Ponce

Universidad Ana G. Mendez-Cupey Campus

Universidad Ana G. Mendez-Gurabo Campus

Universidad Central Del Caribe

University of Puerto Rico-Mayaguez

University of Puerto Rico-Medical Sciences

University of Puerto Rico-Rio Piedras

Rhode Island

All Rhode Island schools →

Brown University

Johnson & Wales University-Online

Johnson & Wales University-Providence

Rhode Island College

Salve Regina University

University of Rhode Island

South Carolina

All South Carolina schools →

Anderson University

Bob Jones University

Charleston Southern University

Clemson University

Coastal Carolina University

Columbia International University

Converse University

Erskine College

Medical University of South Carolina

North Greenville University

South Carolina State University

Southern Wesleyan University

University of South Carolina-Columbia

South Dakota

All South Dakota schools →

Dakota State University

Kairos University

South Dakota School of Mines and Technology

South Dakota State University

University of South Dakota

Tennessee

All Tennessee schools →

Austin Peay State University

Carson-Newman University

East Tennessee State University

Freed-Hardeman University

Johnson University

Lincoln Memorial University

Lipscomb University

Meharry Medical College

Middle Tennessee State University

Milligan University

Omega Graduate School

Tennessee State University

Tennessee Technological University

The University of Tennessee Health Science Center

The University of Tennessee-Chattanooga

The University of Tennessee-Knoxville

Trevecca Nazarene University

Union University

University of Memphis

Vanderbilt University

Texas

All Texas schools →

Abilene Christian University

Bakke Graduate University

Baylor College of Medicine

Baylor University

Brite Divinity School

Concordia University Texas

Dallas Baptist University

Dallas Theological Seminary

East Texas A&M University

Hardin-Simmons University

Houston Christian University

Lamar University

Nelson University

Oblate School of Theology

Our Lady of the Lake University

Prairie View A & M University

Rice University

Saint Edward's University

Sam Houston State University

Southern Methodist University

St. Mary's University

Stephen F Austin State University

Tarleton State University

Texas A & M International University

Texas A & M University-Corpus Christi

Texas A&M University-College Station

Texas A&M University-Kingsville

Texas A&M University-Texarkana

Texas Christian University

Texas Southern University

Texas State University

Texas Tech University

Texas Tech University Health Sciences Center

Texas Wesleyan University

Texas Woman's University

The Southwestern Baptist Theological Seminary

The University of Texas at Arlington

The University of Texas at Austin

The University of Texas at Dallas

The University of Texas at El Paso

The University of Texas at San Antonio

The University of Texas at Tyler

The University of Texas Health Science Center at Houston

The University of Texas Health Science Center at San Antonio

The University of Texas Medical Branch at Galveston

The University of Texas Rio Grande Valley

University of Dallas

University of Houston

University of Houston-Clear Lake

University of Mary Hardin-Baylor

University of North Texas

University of North Texas Health Science Center

University of St Thomas

University of Texas Southwestern Medical Center

University of the Incarnate Word

Wayland Baptist University

West Texas A & M University

Utah

All Utah schools →

Brigham Young University

University of Utah

Utah State University

Virginia

All Virginia schools →

Eastern Virginia Medical School

George Mason University

Hampton University

James Madison University

Liberty University

Marymount University

Norfolk State University

Old Dominion University

Radford University

Regent University

Shenandoah University

University of Lynchburg

University of Virginia-Main Campus

Virginia Commonwealth University

Virginia Polytechnic Institute and State University

Virginia State University

Virginia University of Integrative Medicine

U.S. Virgin Islands

All U.S. Virgin Islands schools →

University of the Virgin Islands

Vermont

All Vermont schools →

Middlebury College

University of Vermont

Washington

All Washington schools →

Antioch University-Seattle

City University of Seattle

Faith International University

Gonzaga University

Northwest University

Saint Martin's University

Seattle Pacific University

University of Washington-Seattle Campus

Washington State University

Wisconsin

All Wisconsin schools →

Alverno College

Concordia University-Wisconsin

Edgewood College

Marquette University

Medical College of Wisconsin

University of Wisconsin-Madison

University of Wisconsin-Milwaukee

West Virginia

All West Virginia schools →

Marshall University

West Virginia University

Wyoming

All Wyoming schools →

University of Wyoming