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) |
