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The loan limit represents the total of all subsidized and unsubsidized Direct Loans a student may borrow at each level of study. If the total loan amount a student receives over the course of their education reaches the aggregate (lifetime) loan limit, they are not eligible to receive additional loans.

Direct Stafford Loan Limits (Subsidized and Unsubsidized)

Year

Dependent

Independent

Freshman

$5,500 (up to $3,500 in subsidized loan)

$9,500 (up to $3,500 in subsidized loan)

Sophomore

$6,500 (up to $4,500 in subsidized loan)

$10,500 (up to $4,500 in subsidized loan)

Junior and Senior

$7,500 (up to $5,500 in subsidized loan)

$12,500 (up to $5,500 in subsidized loan)

Aggregate

$31,000 (up to $23,000 in subsidized loans)

$57,500 (up to $23,000 in subsidized loans)