Federal Direct Loans

Federal Direct Subsidized Loans

Unsubsidized Federal Stafford Student Loans

Maximum Annual Loan Limits

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Borrower's Academic Level ClassificationDependent Student Sub & UnsubIndependent Student SubIndependent Student Unsub
Freshman $5,500 $3,500 $6,000
Sophomore $6,500 $4,500 $6,000
Junior/Senior $7,500 $5,500 $7,000
Graduate N/A $8,500 $12,000
Graduate (effective July 1, 2012) N/A N/A $20,500

Aggregate Loan Limits

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Dependent Undergraduates Subsidized & Unsubsidized (No more than $23,000 can be Subsidized) $31,000
Independent Undergraduates Subsidized only $23,000
Independent Undergraduates Subsidized & Unsubsidized $57,500
Graduates Subsidized only (includes undergraduate loans) $65,500
Graduates Subsidized & Unsubsidized (includes undergraduate loans) $138,500

Page last updated 8:35 AM, October 28, 2021