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Loan Limits

The federal government restricts the amount a student may borrow in federal loans, both on an annual basis and in the aggregate. Please review the following for guidelines related to loan limits:

Undergraduate Students: Direct Loan Maximums*

Grade Level 

Dependent Undergraduate Student 

Independent Undergraduate Student

Year 1* (0-29 credits)

$5,500-Only $3,500 of this amount may be in subsidized loans.

$9,500-Only $3,500 of this amount may be in subsidized loans.

Year 2* (30-59 credits)

$6,500-Only $4,500 of this amount may be in subsidized loans.

$10,500-Only $4,500 of this amount may be in subsidized loans.

Years 3-4* (60 + credits)

$7,500-Only $5,500 of this amount may be in subsidized loans.

$12,500-Only $5,500 of this amount may be in subsidized loans.

Lifetime Maximum Total Debt from Stafford and Direct Loans (in each status)

$31,000-Only $23,000 of this amount may be in subsidized loans.

$57,500-Only $23,000 of this amount may be subsidized loans.

*Dependent undergraduate students whose parents have been denied a Federal Parent Loan are eligible to borrow at the independent undergraduate level.

Graduate Students: Direct Loan Maximums

 

Per Academic Year 

Lifetime Maximum Total Debt from Direct Loans

Graduate -Master's, Doctoral

$20,500- in direct unsubsidizedloans.

$138,500-Only $65,500 of this amount may be subsidized loans. 
Note: The graduate debt limit includes Stafford Loans and Direct Loans received for undergraduate study.

Teacher Certification Students

Dependent Students 

$7,500-Only $5,500 of this amount may be in subsidized loans

$31,000-Only $23,000 of this amount may be subsidized loans.

Independent Students

$12,500-Only $5,500 of this amount may be in subsidized loans.

$57,500-Only $23,000 of this amount may be subsidized loans.

To monitor your student loan activity and limits, please log into the National Student Loan Data System and sign in with your FSA ID. If you need help contacting your loan servicer, please visit https://studentaid.gov/manage-loans/repayment/servicers for their contact information.

Questions? Contact Us!

Office of Financial Aid
finaid@uhcno.edu
(504) 398-2133