University of St. ThomasLaw (JD)
Total Cost of Attendance: $76,944/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 St. Thomas studying Law (JD) face a maximum federal Direct Loan cap of $50,000 per year.
The annual cost of attendance is $76,944, resulting in a $26,944 gap each year ($80,832 total over 3 years). Students will need alternative funding sources beyond federal loans.
Cost of Attendance Summary
| Annual Cost of Attendance | $76,944 |
| Federal Loan Cap (Professional) | $50,000 |
| Annual Funding Gap | $26,944 |
| Total Funding Gap (3 years) | $80,832 |
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These numbers assume…
- × Full-time enrollment
- × No scholarships or grants
- × No prior federal student debt
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Your situation is different. Scholarships, residency, prior debt, and part-time enrollment all change your numbers.
Recalculate for University of St. Thomas →Need to Cover This Gap?
University of St. Thomas Law (JD) students typically need $80,832 in private loans over 3 years to bridge the gap between federal aid and cost of attendance.
| Lender | Est. Rate Range | Loan Type | |
|---|---|---|---|
| Lender A | 4.99% – 12.78% APR | Variable & Fixed | Coming Soon |
| Lender B | 5.24% – 14.49% APR | Fixed | Coming Soon |
| Lender C | 4.49% – 13.99% APR | Variable & Fixed | Coming Soon |
Rates shown are illustrative ranges and not a guarantee of any specific rate. Actual rates depend on creditworthiness, cosigner status, and loan terms. Check with individual lenders for current rates. Advertising disclosure applies.
Frequently Asked Questions
What is the federal loan limit for University of St. Thomas Law (JD) students?
Under the OBBBA (effective July 1, 2026), University of St. Thomas 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 St. Thomas?
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 St. Thomas Law (JD) cost per year?
The total cost of attendance for University of St. Thomas Law (JD) is $76,944 per year. Over the full 3-year program, the total cost is $230,832.
What is the funding gap for University of St. Thomas Law (JD)?
The annual funding gap is $26,944, calculated as the difference between the total cost of attendance ($76,944) and the federal loan cap ($50,000). Over the full 3-year program, the total gap is $80,832. This is above the national median of $22,599 for Law (JD) programs.