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Federal Direct Loan Limits:

Undergraduate Student Annual Loan Limit

Undergraduate student loan limits range from $5,500 to $12,500 per year depending on certain factors, including the student's year in college and other aid received.

Dependent Students Maximum Eligibility  
Freshman $5,500 If eligible, up to $3,500 may be subsidized.
Sophomore $6,500 If eligible, up to $4,500 may be subsidized.
Junior or Senior $7,500 If eligible, up to $5,500 may be subsidized.

Independent Students Maximum Eligibility  
Freshman $9,500 If eligible, up to $3,500 may be subsidized.
Sophomore $10,500 If eligible, up to $4,500 may be subsidized.
Junior or Senior $12,500 If eligible, up to $5,500 may be subsidized.


Graduate Student Annual Loan Limit

Graduate students can borrow up to $20,500 each year in the federal unsubsidized loan. If needed, additional funding is available under the Grad PLUS Loan.

Total Aggregate Loan Limit

An aggregate loan limit is the total amount of money a student is allowed to borrow during his/her undergraduate or graduate education.

Dependent Undergraduate Student: $31,000 (no more than $23,000 can be subsidized)

Independent Undergraduate Student: $57,500 (no more than $23,000 can be subsidized)

Graduate Student: $138,500 (no more than $65,500 can be subsidized)

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