University of MemphisLaw (JD)
Total Cost of Attendance: $45,248/yr · Federal Loan Cap: $50,000/yr
Under the One Big Beautiful Bill Act (OBBBA), which takes effect July 1, 2026, professional students at University of Memphis studying Law (JD) face a maximum federal Direct Loan cap of $50,000 per year.
At $45,248/yr, this program falls within the federal loan cap — meaning students can fully fund tuition, fees, and living expenses through federal Direct Loans alone.
Cost of Attendance Summary
| Annual Cost of Attendance | $45,248 |
| Federal Loan Cap (Professional) | $50,000 |
| Annual Funding Gap | $0 |
| Total Funding Gap (3 years) | $0 |
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Tuition vs fees vs living, fee-by-fee detail, and in-state/out-of-state comparison for University of Memphis Law (JD) — sent to your inbox.
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These numbers assume…
- × Full-time enrollment
- × No scholarships or grants
- × No prior federal student debt
- × Out-of-State residency status
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In-State vs. Out-of-State
In-State (Resident)
| Total COA | $39,528 |
| Annual Gap | $0 |
Out-of-State (Non-Resident)
| Total COA | $45,248 |
| Annual Gap | $0 |
Your situation is different. Scholarships, residency, prior debt, and part-time enrollment all change your numbers.
Recalculate for University of Memphis →Frequently Asked Questions
What is the federal loan limit for University of Memphis Law (JD) students?
Under the OBBBA (effective July 1, 2026), University of Memphis Law (JD) students can borrow up to $50,000 per year in federal Direct Loans. This is the professional annual cap. The aggregate lifetime limit is $200,000 for professional students.
Can I still get a Grad PLUS loan for University of Memphis?
No. Starting July 1, 2026, the Grad PLUS loan program is eliminated under the OBBBA. All graduate and professional students are subject to fixed annual borrowing caps ($50,000/year for professional programs). Students who need additional funding beyond the cap must use private loans, institutional aid, scholarships, or personal funds.
How much does University of Memphis Law (JD) cost per year?
The total cost of attendance for University of Memphis Law (JD) is $45,248 per year. Over the full 3-year program, the total cost is $135,744.