In This Section

Current Annual Direct Student Loan Limits

Dependent Students

Completed Credits Subsidized Loan
Unsubsidized Loan
Additional Unsubsidized Loan
Freshmen 0 - 29
$3,500
$2,000
$4,000 With PLUS Denial
Sophomores 30 - 59
$4,500
$2,000
$4,000 With PLUS Denial

Juniors &

Seniors

60 -89

90+

$5,500
$2,000
$5,000 With PLUS Denial

Independent Students as decided by the FAFSA

Completed Credits Subsidized Loan
Unsubsidized Loan
Freshmen 0 - 29
$3,500
$6,000
Sophomores 30 - 59
$4,500
$6,000

Juniors &

Seniors

60 -89

90+

$5,500
$7,000
Graduate/Professional

120+

$0
 $20,500

Aggregate Limits

Undergraduate:
Dependent students = $31,000 (up to $23,000 may be subsidized)
Independent students and dependent students whose parents cannot borrow PLUS = $57,500 (up to $23,000 may be subsidized)
Graduate students:
Subsidized = $65,500 (includes undergraduate borrowing)
Unsubsidized = $138,500 (included undergraduate borrowing); certain health professions students may borrow up to $224,000 (included undergraduate borrowing)