Borrowing Loan Limits
Annual loan limits are determined by class standing (freshman, sophomore, etc.) and dependency status
Below are federal limits that indicate how much a student may borrow during one academic year based on the student grade level. The annual loan amounts are as follows:
| Loan Borrowing Limits (Fall & Spring) | |||
|---|---|---|---|
| Dependent | Maximum Subsidized | Additional Unsubsidized | Combined Sub & Unsub |
| Freshman | $3,500 | $2,000 | $5,500 |
| Sophomore | $4,500 | $2,000 | $6,500 |
| Junior/Senior | $5,500 | $2,000 | $7,500 |
| Independent | Maximum Subsidized | Additional Unsubsidized | Combined Sub & Unsub |
| Freshman | $3,500 | $6,000 | $9,500 |
| Sophomore | $4,500 | $6,000 | $10,500 |
| Junior/Senior | $5,500 | $7,000 | $12,500 |
| Graduate | N/A | $20,500 | $20,500 |
The maximum total loan limits you may receive throughout your academic career is known as the aggregate loan limit. A student who exceeds the aggregate loan limit is ineligible to receive any Title IV funding. The total aggregate loan limits are as follows:
| Total Aggregate Limits | |||
|---|---|---|---|
| Maximum Subsidized | Additional Unsubsidized | Combined Sub & Unsub | |
| Dependent Undergraduate | $23,000 | $8,000 | $31,000 |
| Independent Undergraduate | $23,000 | $34,500 | $57,500 |
| Graduate (includes Undergraduate amount) | $65,500 | $73,000 | $138,500 |