$50,000/yr FEDERAL CAP
Professional Student Limit · $200K AggregateYour Medical School Tuition Is $95K.
Federal Loans Will Cover $50K.
M.D. • D.O. • O.D. • D.P.M. • Pharm.D. • D.C.
Medical school costs $70K–$95K a year. Starting July 1, 2026, the federal cap for professional students is $50,000 — leaving a $20K–$45K gap every year that you'll need to cover out of pocket or with private loans.
Typical COA: $95KGap: $45K
Representative range — your gap depends on your specific program and school
Gap Calculator — Launching July 2026
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Tuition data verified across 170+ medical programs at accredited institutionsBased on Public Law 119-21 (OBBBA), signed July 4, 2025
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