• Maximum Loan Amounts


  • Year in Program Dependent Undergraduate Student Independent Undergraduate Student Graduate and Professional Degree Student
    First Year $5,500 – No more than $3,500 of this amount may be in subsidized loans $9,500 – No more than $3,500 of this amount may be in subsidized loans $20,500 – No more than $8,500 of this amount may be in subsidized loans
    Second Year $6,500 – No more than $4,500 of this amount may be in subsidized loans $10,500 – No more than $4,500 of this amount may be in subsidized loans $20,500 – No more than $8,500 of this amount may be in subsidized loans
    Third and Beyond (each year) $7,500 – No more than $5,500 of this amount may be in subsidized loans $12,500 – No more than $5,500 of this amount may be in subsidized loans $20,500 – No more than $8,500 of this amount may be in subsidized loans
    Maximum Total Debt From Direct/Stafford Loans (aggregate loan limits) $31,000 – No more than $23,000 of this amount may be in subsidized loans $57,500 – No more than $23,000 of this amount may be in subsidized loans $138,500 – No more than $64,500 of this amount may be in subsidized loans. The graduate debt limit includes loans received for undergraduate study.

    NOTE: The amounts shown in the chart above are the maximum amounts that you may borrow for an academic year (annual loan limits) and in total (aggregate loan limits).* These are combined annual and aggregate loan limits for Stafford Loans received under both the FFEL and Direct Loan programs. You might receive less than the maximum if you receive other financial aid that’s used to cover a portion of your cost of attendance.* The maximum amount you may borrow will also be less in certain situations, such as if you are an undergraduate student enrolled in a program of study that is shorter than an academic year.* Graduate and professional students enrolled in certain health profession programs may receive additional unsubsidized Stafford Loan amounts beyond those shown above. Your school can refuse to certify your loan or can certify a loan for an amount less than you would otherwise be eligible for if the school documents the reason for its action and explains the reason to you in writing. The school’s decision is final and cannot be appealed to the U.S. Department of Education.