Loan Limits

The chart below details the annual and aggregate (total) limits for Stafford (Subsidized and Unsubsidized) Loans. To view details (lender/servicer contact information, loan amounts, outstanding balances, etc.) regarding past and present Stafford student loans at UCA or any other school, borrowers may use the National Student Loan Data System (NSLDS). The NSLDS is the U.S. Department of Education’s centralized database for Title IV student aid.

Direct Stafford Loan Limits (Subsidized and Unsubsidized)

See Note Below

Undergraduate Students

Graduate Students

Annual Limit for

Dependent Student

Annual Limit for

Independent Student


$5,500 ($3,500)

$9,500 ($3,500)

$20,500 ($8,500)

for each year


$6,500 ($4,500)

$10,500 ($4,500)

Junior and Seniors

$7,500( $5,500)

$12,500 ($5,500)

Aggregate Totals

$31,000 ($23,000)

$57,000 ($23,000)

$138,500 ($65,000)

Note: Amount in parenthesis is the maximum amount of the direct loan that may be a subsidized loan.

Dependent students whose parents are denied for Parent PLUS Loans may be eligible to receive additional unsubsidized loan amounts for that year.