Loan limits are the maximum amount of federal student loan money a student can borrow each year and in total.
Annual Undergraduate Limits
Annual undergraduate loan limits are the maximum amount of money that can be awarded for a specific aid year. These apply to both dependent and independent students.
| Class Standing/Degree | Subisized | Combined Subsidized and Unsubsidized |
|---|---|---|
| Freshman (0-29 credits) and Certificates | Subsidized: $3,500 | Combined Subsidized and Unsubsidized: $5,500 |
| Sophomore (30-59 credits) (Max level for Associate's degrees) |
Subsidized: $4,500 | Combined Subsidized and Unsubsidized: $6,500 |
|
Junior/Senior (60+ credits) |
Subsidized: $5,500 | Combined Subsidized and Unsubsidized: $7,500 |
| Class Standing/Degree | Subisized | Combined Subsidized and Unsubsidized |
|---|---|---|
| Freshman (0-29 credits) and Certificates | Subsidized: $3,500 | Combined Subsidized and Unsubsidized: $9,500 |
| Sophomore (30-59 credits) (Max level for Associate's degrees) |
Subsidized: $4,500 | Combined Subsidized and Unsubsidized: $10,500 |
|
Junior/Senior (60+ credits) |
Subsidized: $5,500 | Combined Subsidized and Unsubsidized: $12,500 |
Lifetime Undergraduate Limits
Lifetime undergraduate loan limits are the maximum amount of loans that a student can be awarded in their lifetime.
| Subisized | Combined Subsidized and Unsubsidized |
|---|---|
| Subsidized: $23,000 | Combined Subsidized and Unsubsidized: $31,000 |
| Subisized | Combined Subsidized and Unsubsidized |
|---|---|
| Subsidized: $23,000 | Combined Subsidized and Unsubsidized: $57,500 |
Graduate Loan Limits
Graduate loan limits vary by type. Students using graduate unsubsidized loans can borrow up to $20,500 a year with a lifetime limit of $138,000. Graduate PLUS loans are limited to the cost of attendance, there is no lifetime limit.
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