1. Example

Choose one… $0 prior loans → no cap reached $31,000 paid off → no cap reached $90,000 Unsubsidized owed → program cap $210,000 prior loans → lifetime cap $100,000 prior loans, 1-year LL.M. → no cap reached $100,000 owed, mid-degree → old rules

2. Program

Law (J.D. or other professional programs) Law (Other Graduate Programs including LLM, LLCM, and SJD) Other Professional Programs (M.D., D.O., D.D.S., D.M.D., Pharm.D., D.V.M., etc.) Other Graduate Programs (MBA, Masters, etc.)

Years

Started this degree before July 2026 and still Grad PLUS eligible

3. Prior loans

Original amounts borrowed.

Unsubsidized, still owed ($)

Subsidized or Grad PLUS, still owed ($)

Paid off, any Direct loan ($)

FFEL ($)

Parent PLUS ($)

4. Planned borrowing