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Federal Direct Loan Limits

Undergraduate Students

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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

Graduate Students

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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.

Health Profession Students

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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.

Direct Graduate PLUS and Parent PLUS Loans

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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

 

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We respectfully acknowledge the University of Arizona is on the land and territories of Indigenous peoples. Today, Arizona is home to 22 federally recognized tribes, with Tucson being home to the O’odham and the Yaqui. Committed to diversity and inclusion, the University strives to build sustainable relationships with sovereign Native Nations and Indigenous communities through education offerings, partnerships, and community service.

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