Interactive Tool
OBBBA Loan Calculator
The One Big Beautiful Bill Act eliminates Grad PLUS loans and caps annual borrowing starting July 1, 2026. If you're starting CRNA school before or after that date, the financial picture is dramatically different. See exactly how.
Your Program Details
Tuition + fees + living expenses for full program
Funding gap: $0 — Grad PLUS covers everything
Funding gap: $50,000 — must cover with private loans, savings, or working
Less Borrowed
$50,000
under new rules
Monthly Savings
$654
lower payment
Total Saved
$78,472
less interest overall
Funding Gap: $50,000 ($16,667/year)
Under the new rules, federal loans won't cover your full cost of attendance. You'll need to bridge the gap with:
- • Private student loans (higher rates, fewer protections)
- • Personal savings or family support
- • Part-time work (limited during clinical rotations)
- • Institutional scholarships and grants
- • Employer tuition assistance or loan repayment programs
About this calculator
- Annual caps and rates are estimates based on the OBBBA as passed. Final Department of Education rules may differ.
- Interest accrues during school on unsubsidized and Grad PLUS loans — this calculator uses the principal amount only.
- This does not model IDR, PSLF, or income-based repayment. Use our Student Loan Optimizer for those scenarios.
Want the full picture?
Our Student Loans guide covers PSLF, IDR, refinancing, and every strategy in detail.