Federal Student Loan Limits

Dependent Annual Borrowing Limits

 Annual Federal Direct Subsidized Loan Base AmountAdditional Federal Direct Unsubsidized Loan Amount
Dependent Freshman$3,500$2,000
Dependent Sophomore$4,500$2,000
Dependent Junior$5,500$2,000
Dependent Senior$5,500$2,000

Independent Annual Borrowing Limits

 Annual Federal Direct Subsidized Loan Base Amount*Additional Federal Direct Unsubsidized Loan Amount
Independent Freshman$3,500$6,000
Independent Sophomore$4,500$6,000
Independent Junior$5,500$7,000
Independent Senior$5,500$7,000

* The annual aggregate is the base amount plus the additional unsubsidized amount.

Graduate Annual Borrowing Limits

 Annual Federal Direct Unsubsidized Loan Amount
Undeclared Graduate Student$12,500*
Graduate Student$20,500
Veterinary Medicine Student$40,500
* An undeclared graduate student can receive up to $12,500 over the course of 12 months.

Aggregate Borrowing Limits

 Maximum Federal Direct Subsidized Loan AmountMaximum Federal Direct Loan Amount (Sub and Unsub combined)
Dependent Undergraduate Student$23,000$31,000
Independent Undergraduate Student$23,000$57,500
Graduate or Professional Student$65,500$138,500
Health Professions Student (Veterinary Medicine)$65,500$224,000