Loan limits

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Stafford loans may be subsidized or unsubsidized or a combination of both. The following chart indicates the maximum loan amount you may request. It is to your advantage to request one loan for all semesters in the academic year you plan to attend. Any additional loan(s) requested will not be processed until the first loan has been disbursed.

Your loan award amounts will be based on enrollment (6 or more credits per term), grade level, and remaining eligibility of your annual and aggregate loan limits. 

If you attend less than full-time during any term, your Cost of Attendance and financial aid award amounts will be adjusted. This could result in reduction or removal of loans or other financial aid.

Dependent students - maximum loan amounts per academic year
Class Subsidized Unsubsidized Total
Freshman
(less than 24 credit hours earned)
$3,500 $2,000 $5,500
Sophomore
(24-60 credit hours earned)
$4,500 $2,000 $6,500
Junior*
(61-89 credit hours earned)
$5,500 $2,000 $7,500
Senior*
(90+ credit hours earned)
$5,500 $2,000 $7,500

The aggregate amount for a dependent undergraduate student (except students whose parents are unable to obtain PLUS loans) is $31,000 for Stafford loans (maximum $23,000 subsidized).

Independent students - maximum loan amounts per academic year
Class Subsidized Unsubsidized Total
Freshman
(less than 24 credit hours earned)
$3,500 $6,000 $9,500
Sophomore
(24-60 credit hours earned)
$4,500 $6,000 $10,500
Junior*
(61-89 credit hours earned)
$5,500 $7,000 $12,500
Senior*
(90+ credit hours earned)
$5,500 $7,000 $12,500

The aggregate amount for an independent undergraduate student (and dependent students whose parents are unable to obtain PLUS loans) is $57,500 for Stafford loans (maximum $23,000 subsidized).

*Must be admitted in the four-year program.  

What are my Stafford loan limits?