Federal Direct Loan Limits
Annual Limits for Subsidized/Unsubsidized Loans
Note: All undergraduate annual loan amounts are subject to proration and limitations based on cost of attendance minus other financial aid. Increased loan eligibility is available for those students who advance to the sophomore or junior grade level at the end of their fall term. Students must self-identify by contacting our office at the start of the spring term.
Dependent Undergraduates (excluding dependent students whose parents were denied the Parent PLUS)
| GRADE LEVEL IN COLLEGE | SUBSIDIZED | TOTAL (SUBSIDIZED & UNSUBSIDIZED) |
|---|---|---|
| First Year | $3,500 | $5,500 |
| Second Year | $4,500 | $6,500 |
| Third Year and Beyond | $5,500 | $7,500 |
Independent Undergraduates & Dependent Students whose parents were denied Parent PLUS
| GRADE LEVEL IN COLLEGE | SUBSIDIZED | TOTAL (SUBSIDIZED & UNSUBSIDIZED) |
|---|---|---|
| First Year | $3,500 | $9,500 |
| Second Year | $4,500 | $10,500 |
| Third Year and Beyond | $5,500 | $12,500 |
Lifetime/Aggregate Loan Limits for Subsidized/Unsubsidized Loans
| DEPENDENT/ INDEPENDENT | SUBSIDIZED | TOTAL (SUBSIDIZED & UNSUBSIDIZED) |
|---|---|---|
| Dependent Undergraduates (excluding those whose parents were denied Parent PLUS) | $23,000 | $31,000 |
| Independent Undergraduates & Dependent Students whose parents were denied Parent PLUS | $23,000 | $57,500 |
Annual Limits for Subsidized/Unsubsidized Loans
Note: All graduate annual loan amounts are subject to limitations based on cost of attendance minus other financial aid but are not subject to proration.
| GRADUATE LEVEL | SUBSIDIZED | TOTAL (SUBSIDIZED & UNSUBSIDIZED) |
|---|---|---|
| All Graduate Levels | $0* | $20,500 |
Lifetime/Aggregate Loan Limits for Subsidized/Unsubsidized Loans
| GRADUATE LEVEL | SUBSIDIZED | TOTAL (SUBSIDIZED & UNSUBSIDIZED) |
|---|---|---|
| All Graduate Levels | $65,500 | $138,500 |
Students who have not completed a Bachelor's Degree or at least 90 college-level units
Per federal regulations, students must have completed at least 90 college-level units in order to be eligible for graduate-level loans. Students are encouraged to submit all transcripts for review during the application process. Students who have not yet completed at least 90 college-level units will be eligible for Federal Direct Unsubsidized Loan funding based on the following:
|
COLLEGE-LEVEL UNITS COMPLETED |
UNSUBSIDIZED LOAN ELIGIBILITY (ACADEMIC YEAR: FALL-SPRING-SUMMER) |
|---|---|
|
0-29 |
$9,500 |
|
30-59 |
$10,500 |
|
60-89 |
$12,500 |
* The Budget Control Act of 2011 ended federally funded subsidized loans for graduate students.
Annual Limits for Subsidized/Unsubsidized Loans (Public Health)
Graduate in Public Health; Doctor of Pharmacy or Chiropractic; Doctoral Degree in Clinical Psychology; Masters or Doctoral Degree in Health Administration
| HEALTH PROFESSION STUDENTS | SUBSIDIZED | TOTAL (SUBSIDIZED & UNSUBSIDIZED) |
|---|---|---|
| Public Health | $0* | $33,000** |
Annual Limits for Subsidized/Unsubsidized Loans (Medicine)
Doctor of Dentistry, Veterinary Medicine, Optometry, Allopathic Medicine, Osteopathic Medicine, Podiatric Medicine, Naturopathic Medicine, or Doctor of Naturopathy
| HEALTH PROFESSION STUDENTS | SUBSIDIZED | TOTAL (SUBSIDIZED & UNSUBSIDIZED) |
|---|---|---|
| Medicine 12 month academic year | $0* | $47,167*** |
| Medicine 11 month academic year | $0* | $44,944*** |
Lifetime/Aggregate Loan Limits for All Health Profession Students
| GRADUATE LEVEL | SUBSIDIZED | TOTAL (SUBSIDIZED & UNSUBSIDIZED) |
|---|---|---|
| All Health Profession Students | $65,500 | $224,000 |
Students who have not completed a Bachelor's Degree or at least 90 college-level units
Per federal regulations, students must have completed at least 90 college-level units in order to be eligible for graduate-level loans. Students are encouraged to submit all transcripts for review during the application process. Students who have not yet completed at least 90 college-level units will be eligible for Federal Direct Unsubsidized Loan funding based on the following:
|
COLLEGE-LEVEL UNITS COMPLETED |
UNSUBSIDIZED LOAN ELIGIBILITY (ACADEMIC YEAR: FALL-SPRING-SUMMER) |
|---|---|
|
0-29 |
$9,500 |
|
30-59 |
$10,500 |
|
60-89 |
$12,500 |
* The Budget Control Act of 2011 ended federally funded subsidized loans for graduate students.
** Public Health students are eligible for unsubsidized loan in addition to the standard $20,500 annual maximum: 9-month academic year, additional $12,500; 12-month academic year, additional $16,667
*** Medicine students are eligible for unsubsidized loan in addition to the standard $20,500 annual maximum: 9-month academic year, additional $20,000; 11-month academic year, additional $24,444 (based on proration); 12-month academic year, additional $26,667.
Annual Limits for Parent PLUS/Graduate PLUS Loans
PLUS Loans require a credit check and are only available for parents of dependent undergraduate students and graduate/professional level students
| All PLUS Borrowers | Full Cost of Attendance (COA) minus all other aid |
|---|
Lifetime/Aggregate Loan Limits for Parent PLUS/Graduate PLUS Loans
| All PLUS Borrowers | Subject to Credit Check |
|---|