That leaves $10,000 to $30,000 uncovered every single year you are in school. The gap is not a surprise to financial aid offices. It is a surprise to the students who discover it after they have already enrolled. With Grad PLUS loans being eliminated, the problem is getting worse. Here is where the gap comes from, what most students do about it, and the one strategy that actually makes financial sense.
The federal Direct Unsubsidized Loan program caps graduate borrowing at $20,500 per academic year. That number has not changed since 2012. NP program costs have increased 30% or more in that same period. And with recent federal policy changes eliminating Grad PLUS, the math no longer works.
Every NP student who hits the federal loan cap faces the same decision. Some look for scholarships or employer tuition reimbursement, but those rarely cover the full gap. Here are the four most common paths, ranked from worst to best. Only one of them is built for this exact problem.
NP Financial was built specifically for the funding gap. Not general education lending. Not credit lines disguised as student loans. See how it compares to other private lenders. A product designed for NP students who maxed out their federal loans and need a clean, affordable way to cover the rest.
A $15,000 funding gap is the median for a 2-year NP program at a mid-range school. Every semester you wait to address it makes it worse. Here is what happens when you put that on a credit card versus funding it through NP Financial.
Enter your program cost, see what federal loans cover, and get your exact gap number in 60 seconds. No account required. No credit check. Just the math you need to make a decision.
Calculate My Funding Gap →