For students enrolled as regular students in eligible programs, annual Direct loan limits are as follows:
Dependent Students
| Base Amount | Additional Unsubsidized Loan Amount | Total Annual Limit | |
| Freshman | $3,500 | $2,000 | $5,500 |
| Sophomore | $4,500 | $2,000 | $6,500 |
| Junior/Senior | $5,500 | $2,000 | $7,500 |
Independent Undergraduate Students (and dependent students whose parents cannot borrow a PLUS Loan)
| Base Amount | Additional Unsubsidized Loan Amount | Total Annual Limit | |
| Freshman | $3,500 | $6,000 | $9,500 |
| Sophomore | $4,500 | $6,000 | $10,500 |
| Junior/Senior | $5,500 | $7,000 | $12,500 |
Graduate Students
| Base Amount | Additional Unsubsidized Loan Amount | Total Annual Limit | |
| Graduate | $8,500 | $12,000 | $20,500 |
Aggregate Loan Limits
- Undergraduate Dependent Students: $31,500 (no more than $23,000 of which can be subsidized)
- Undergraduate Independent Students: $57,500 (no more than $23,000 of which can be subsidized)
- Graduate Students: $138,500 (no more than $65,500 of which can be subsidized)