⚠ Policy change effective July 1, 2026: Grad PLUS loans eliminated for new borrowers. Read the law →
Professional · $50,000/yr cap

Vermont Law and Graduate SchoolLaw (JD)

Annual Funding Gap$29,970$89,910 over 3 years
Federal Cap Unfunded Gap

Total Cost of Attendance: $79,970/yr · Federal Loan Cap: $50,000/yr

Under the One Big Beautiful Bill Act (OBBBA), which takes effect July 1, 2026, professional students at Vermont Law and Graduate School studying Law (JD) face a maximum federal Direct Loan cap of $50,000 per year.

The annual cost of attendance is $79,970, resulting in a $29,970 gap each year ($89,910 total over 3 years). Students will need alternative funding sources beyond federal loans.

Cost of Attendance Summary

Annual Cost of Attendance$79,970
Federal Loan Cap (Professional)$50,000
Annual Funding Gap$29,970
Total Funding Gap (3 years)$89,910

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These numbers assume…

  • × Full-time enrollment
  • × No scholarships or grants
  • × No prior federal student debt
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Need to Cover This Gap?

Vermont Law and Graduate School Law (JD) students typically need $89,910 in private loans over 3 years to bridge the gap between federal aid and cost of attendance.

LenderEst. Rate RangeLoan Type
Lender A4.99% – 12.78% APRVariable & FixedComing Soon
Lender B5.24% – 14.49% APRFixedComing Soon
Lender C4.49% – 13.99% APRVariable & FixedComing 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 Vermont Law and Graduate School Law (JD) students?

Under the OBBBA (effective July 1, 2026), Vermont Law and Graduate School 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 Vermont Law and Graduate School?

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 Vermont Law and Graduate School Law (JD) cost per year?

The total cost of attendance for Vermont Law and Graduate School Law (JD) is $79,970 per year. Over the full 3-year program, the total cost is $239,910.

What is the funding gap for Vermont Law and Graduate School Law (JD)?

The annual funding gap is $29,970, calculated as the difference between the total cost of attendance ($79,970) and the federal loan cap ($50,000). Over the full 3-year program, the total gap is $89,910. This is above the national median of $22,599 for Law (JD) programs.