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Direct Loan Limits

Maximums for Direct Loans

Direct Loan limits are determined by how many credits a student has earned, their dependency status and other factors. Take a look at a breakdown of Direct Loan limits below.

 

DEPENDENT STUDENTS
 Maximum Subsidized AmountAdditional Unsubsidized Loan AmountMaximum Combined Sub/Unsub Loan Eligibility
Freshmen (0-23 hours)$3,500$2,000$5,500
Sophomores (24-59 hours)$4,500$2,000 $6,500
Juniors (60-95 hours)$5,500$2,000 $7,500
Seniors* (96-128 hours)$5,500$2,000$7,500
*Seniors who graduate in December are only eligible for 1/2 the annual loan limit amount.

 

INDEPENDENT UNDERGRADUATE STUDENTS AND DEPENDENT STUDENTS WHOSE PARENTS ARE NOT ELIGIBLE TO BORROW A PLUS LOAN
 Maximum Subsidized AmountAdditional Unsubsidized Loan AmountMaximum Combined Sub/Unsub Loan Eligibility
Freshmen (0-23 hours)$3,500$6,000$9,500
Sophomores (24-59 hours)$4,500$6,000 $10,500
Juniors (60-95 hours)$5,500$7,000 $12,500
Seniors* (96-128 hours)$5,500$7,000$12,500

GRADUATE AND PROFESSIONAL SCHOOL STUDENT
  Maximum Unsubsidized Loan Amount
Graduate, Law, Physical Therapy and Occupational Therapy Students $20,500
Pharmacy Students  $33,000
Medical and Dental Students  $40,500

AGGREGATE LIMITS
 SubsidizedSub/Unsub Combined
Dependent Undergraduate$23,000$31,000 
Independent Undergraduate$23,000 $57,500
Graduate, Law, Physical Therapy, Occupational Therapy$65,500 $138,500
Medical, Dental, Pharmacy$65,500 $224,000

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