Federal Direct Loan Limits

Undergraduate Students

Year	Dependent Students	Independent Students (and dependent undergraduate students whose parents are unable to obtain PLUS Loans)
Freshman	$5,500/Academic Year (up to $3500 can be subsidized loans)	$9,500/Academic Year (up to $3500 can be subsidized loans)
Sophomore	$6,500/Academic Year (up to $4500 can be subsidized loans)	$10,500/Academic Year (up to $4500 can be subsidized loans)
Junior/Senior	$7,500/Academic Year (up to $5500 can be subsidized loans)	$12,500/Academic Year (up to $5500 can be subsidized loans)
G6 Preparatory and Teacher Certification Students	$5,500/Academic Year (Entire amount may be subsidized loans).	$12,500/Academic Year (up to $5500 can be subsidized loans)
Subsidized and Unsubsidized Aggregate Loan Limit	$31,000* (up to $23,000 can be subsidized loans)	$57,500* (up to $23,000 can be subsidized loans)

*All “Maximum Total Debt” amounts (lifetime limits) include both DIRECT and FFELP subsidized and unsubsidized loans.

Graduate Students

Unsubsidized Loan	$20,500/Academic Year
Maximum Total Debt*	$138,500** ($65,500 may be subsidized)

*All “Maximum Total Debt” amounts (lifetime limits) include both DIRECT and FFELP subsidized and unsubsidized loans.
**The graduate total debt limit includes subsidized and unsubsidized student loans received during undergraduate study.
***The annual loan limit for certain majors can change from year to year and is determined by the budget duration (number of months the student spends in school).

Public Health Graduate Students and Pharmacy Students

Unsubsidized Loan	$33,000-$37,167/Academic Year***
Maximum Total Debt*	$224,000 ($65,500 may be subsidized)

*All “Maximum Total Debt” amounts (lifetime limits) include both DIRECT and FFELP subsidized and unsubsidized loans.
**The graduate total debt limit includes subsidized and unsubsidized student loans received during undergraduate study.
***The annual loan limit for certain majors can change from year to year and is determined by the budget duration (number of months the student spends in school).

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Federal Direct Loan Limits

Undergraduate Students

Graduate Students

Public Health Graduate Students and Pharmacy Students

Federal Direct Loan Limits