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Federal Loan Limits

Dependent Undergraduate Students Loan Limits
 Base AmountUnsubsidized AmountAnnual Limits
Freshmen$3,500$2,000$5,500
Sophomore$4,500$2,000$6,500
Junior & Senior$5,500$2,000$7,500
Aggregate Limit$23,000$8,000$31,000
Independent Undergraduate Students Loan Limits
 Base AmountUnsubsidized AmountAnnual Limits
Freshmen$3,500$6,000$9,500
Sophomore$4,500$6,000$10,500
Junior & Senior$5,500$7,000$12,500
Aggregate Limit$23,000$34,500$57,500
Graduate Students Loan Limits
 Unsubsidized Amount
Graduate$20,500
Aggregate Limit$138,500

Federal Student Loan Repayment Estimator

 

Loan Proration for Graduating Borrowers

Federal regulations require that when an undergraduate student is enrolled in a program that is one academic year or more in length, but is in a remaining period of study that is shorter than a full academic year, their Federal Direct Loan amount must be prorated.

The loan limit proration determines the maximum loan amount that a student may borrow for the final term of study based on the degree they are earning.

It is important to notify the Student Financial Aid Office if you are graduating in the fall term to avoid your loans being adjusted after disbursement.

You may use the charts below to determine your eligibility.

Dependent Student
Credit Hours in Final SemesterSubsidized LoansUnsubsidized LoansTotal Combined
20$4,565 $1,660 $6,225
19$4,345 $1,580 $5,925
18$4,125 $1,500 $5,625
17$3,905 $1,420 $5,325
16$3,685 $1,340 $5,025
15$3,465 $1,260 $4,725
14$3,190 $1,160 $4,350
13$2,970 $1,080 $4,050
12$2,750 $1,000 $3,750
11$2,530 $920 $3,450
10$2,310 $840 $3,150
9$2,090 $760 $2,850
8$1,815 $660 $2,475
7$1,595 $580 $2,175
6$1,375 $500 $1,875
Independent Student
Credit Hours in Final SemesterSubsidized LoansUnsubsidized LoansTotal Combined
20$4,565 $5,810 $10,375
19$4,345 $5,530 $9,875
18$4,125 $5,250 $9,375
17$3,905 $4,970 $8,875
16$3,685 $4,690 $8,375
15$3,465 $4,410 $7,875
14$3,190 $4,060 $7,250
13$2,970 $3,780 $6,750
12$2,750 $3,500 $6,250
11$2,530 $3,220 $5,750
10$2,310 $2,940 $5,250
9$2,090 $2,660 $4,750
8$1,815 $2,310 $4,125
7$1,595 $2,030 $3,625
6$1,375 $1,750 $3,125