Disclaimer

Estimates, Not Guarantees

The funding gap figures displayed by Loan Cliff are mathematical estimates derived from publicly available cost-of-attendance data and the federal loan caps established by the One Big Beautiful Bill (2025). They represent a simplified model of a complex financial situation. Your actual costs, aid, and loan eligibility will depend on many individual factors not captured by this calculator.

What Is Not Included

The calculator does not account for the following, which may materially reduce or change your actual gap:

• Merit scholarships, need-based grants, and institutional fellowships.
• Employer tuition assistance or military education benefits.
• State grant programs or external scholarship awards.
• Teaching or research assistantship stipends.
• Loan origination fees and interest accrual.
• Income-driven repayment plan eligibility.
• Future changes to federal loan policy beyond what is currently enacted.

Not Financial or Legal Advice

Nothing on Loan Cliff constitutes financial, legal, tax, or investment advice. We are not a licensed financial advisor, lender, broker, or financial aid counselor. The information provided is for general educational and informational purposes only.

Data Accuracy

We make reasonable efforts to keep cost-of-attendance data and loan cap information current and accurate. However, data may contain errors or may not reflect the most recent institutional changes. Loan Cliff Financial Research makes no representation or warranty regarding the accuracy, completeness, or timeliness of any information on the Site.

Legislative Risk

Federal student loan policy is subject to change by Congress or the Department of Education. The loan caps reflected in this calculator are based on current enacted law. Future legislative or regulatory changes could increase, decrease, or eliminate these caps. Loan Cliff is not responsible for decisions made based on assumptions about future policy.

Contact

Questions about this disclaimer: hello@loancliff.com