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Direct Subsidized or Unsubsidized Loan borrowing limits

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Graduate and professional students are no longer eligible to receive subsidized loans.

Effective for loans made for payment periods that begin on or after July 1, 2012, graduate and professional students are no longer eligible to receive subsidized loans. However, if you are a graduate or professional student, you may still qualify for up to $20,500 in unsubsidized loans each year.

Annual limits

Dependent undergraduates
(except students whose parents are unable to borrow a PLUS Loan)

First year total $5,500 (maximum $3,500 subsidized)
Second year total $6,500 (maximum $4,500 subsidized)
Third year and beyond total (each year) $7,500 (maximum $5,500 subsidized)

Independent undergraduates
(and dependent undergraduates whose parents are unable to borrow a PLUS Loan)

First year total $9,500 (maximum $3,500 subsidized)
Second year total $10,500 (maximum $4,500 subsidized)
Third year and beyond total (each year) $12,500 (maximum $5,500 subsidized)

Graduate and professional students

Total amount (each year) $20,500
(unsubsidized only)

Students who fall into certain categories may qualify for loan amounts different from the limits listed above.

Aggregate [total combined debt from all outstanding Direct Subsidized Loans, Direct Unsubsidized Loans, and Federal Stafford Loans (subsidized or unsubsidized)]

Dependent undergraduates
(except students whose parents are unable to borrow a PLUS Loan)

Total cumulative amount $31,000 (maximum $23,000 subsidized)

Independent undergraduates
(and dependent undergraduates whose parents are unable to borrow a PLUS Loan)

Total cumulative amount $57,500 (maximum $23,000 subsidized)

Graduate and professional students

Total cumulative amount $138,500 (maximum $65,500 subsidized includes Direct Subsidized, Direct Unsubsidized, and Federal Stafford Loans (subsidized or unsubsidized) for undergraduate study)