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: $31,000 (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