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Total Loan Limits

The following chart provides maximum Annual and Aggregate (Total) Loan Limits for Subsidized and Unsubsidized Direct Stafford Loans:

Year Dependent Undergraduate Student (except Students whose Parents are unable to obtain PLUS Loans) Independent Undergraduate Student (and Dependent Students whose parents are unable to obtain PLUS Loans)
First Year: 0-29 credits $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.
Second Year: 30+ credits $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.
Maximum Total Debt from 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

Note: Annual loan limit amounts reflect the maximum yearly loan amounts an individual may borrow in both Subsidized and Unsubsidized loans. Loans may be awarded in combination of both subsidized and unsubsidized loans. Loan eligibility is based on total cost of attendance minus all other financial aid you are awarded for the academic year. Also, the annual loan limits assume that your program of study is at least a full academic year of a 16 week duration for both Fall and Spring enrollment.