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Loan Limits

Federal Direct Loan Program Loan Limits

 

Level

Annual
Subsidized/
Unsubsidized

Annual
Additional
Unsubsidized

Annual
Additional
Unsubsidized (Independent Students)

Total Annual Loan Limits

Aggregate Limits

Dependent

Independent/
Dependent with PLUS denial

Dependent

Independent/
Dependent with PLUS denial

Freshman (0-29 credit hours)

$3,500

$2,000

$4,000

$5,500

$9,500

$23,000 Sub
$31,000 Total

$23,000 Sub
$57,500 Total

Sophomore (30-59 credit hours)

$4,500

$2,000

$4,000

$6,500

$10,500

$23,000 Sub
$31,000 Total

$23,000 Sub
$57,500 Total

Junior (60-89 credit hours)

$5,500

$2,000

$5,000

$7,500

$12,500

$23,000 Sub
$31,000 Total

$23,000 Sub
$57,500 Total

Senior (90+ credit hours)

$5,500

$2,000

$5,000

$7,500

$12,500

$23,000 Sub
$31,000 Total

$23,000 Sub
$57,500 Total

Graduate

 

 

$20,500

 

$20,500

 

$65,000 Sub
$138,500 Total