Federal Direct Loan Limits for Dependent Students

Grade Level

Maximum Subsidized Amount Additional Unsubsidized Amount Maximum Direct Loan Amount
Freshman
(0 - 47 Units)
$3,500 $2,000 $5,500
Sophomore
(48 - 101 Units)
$4,500 $2,000 $6,500
Junior & Beyond
(102 - 155 Units)
$5,500 $2,000

$7,500

Maximum Aggregate Undergraduate Federal Direct Loan Limit: $31,000. Of this amount, only $23,000 can be subsidized loan funding. To estimate your monthly Federal Direct Loan payment upon graduation, use the Federal Direct Loan Repayment Calculator.

Federal Direct Loan Limits for Independent Students & Dependent Students Whose Parents are Unable to Qualify for PLUS Loan

Grade Level Maximum Subsidized Amount Additional Unsubsidized Amount Maximum Direct Loan Amount
Freshman
(0 - 47 Units)

$3,500

$6,000 $9,500
Sophomore
(48 - 101 Units)
$4,500 $6,000 $10,500
Junior & Beyond
(102-155 Units)
$5,500 $7,000 $12,500

Maximum Aggregate Undergraduate Federal Direct Loan Limit for Independent Students and Dependent Students whose parents are unable to qualify for a PLUS Loan: $57,000. Of this amount, only $23,000 can be subsidized loan funding. To estimate your monthly Direct Loan payment upon graduation, use the Federal Direct Loan Repayment Calculator