Kettering CollegeOccupational Therapy (OT)
Total Cost of Attendance: $48,458/yr · Federal Loan Cap: $20,500/yr
Under the One Big Beautiful Bill Act (OBBBA), which takes effect July 1, 2026, graduate students at Kettering College studying Occupational Therapy (OT) face a maximum federal Direct Loan cap of $20,500 per year.
The annual cost of attendance is $48,458, resulting in a $27,958 gap each year ($83,874 total over 3 years). Students will need alternative funding sources beyond federal loans.
Cost of Attendance Summary
| Annual Cost of Attendance | $48,458 |
| Federal Loan Cap (Graduate) | $20,500 |
| Annual Funding Gap | $27,958 |
| Total Funding Gap (3 years) | $83,874 |
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These numbers assume…
- × Full-time enrollment
- × No scholarships or grants
- × No prior federal student debt
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Kettering College Occupational Therapy (OT) students typically need $83,874 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 Kettering College Occupational Therapy (OT) students?
Under the OBBBA (effective July 1, 2026), Kettering College Occupational Therapy (OT) students can borrow up to $20,500 per year in federal Direct Loans. This is the graduate annual cap. The aggregate lifetime limit is $100,000 for graduate students.
Can I still get a Grad PLUS loan for Kettering College?
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 ($20,500/year for graduate programs). Students who need additional funding beyond the cap must use private loans, institutional aid, scholarships, or personal funds.
How much does Kettering College Occupational Therapy (OT) cost per year?
The total cost of attendance for Kettering College Occupational Therapy (OT) is $48,458 per year. Over the full 3-year program, the total cost is $145,374.
What is the funding gap for Kettering College Occupational Therapy (OT)?
The annual funding gap is $27,958, calculated as the difference between the total cost of attendance ($48,458) and the federal loan cap ($20,500). Over the full 3-year program, the total gap is $83,874. This is below the national median of $34,522 for Occupational Therapy programs.