Stafford Loan Limits
Annual Loan Limits for Subsidized and Unsubsidized Stafford Loans
| Dependent Undergraduate Student | Independent Undergraduate Student | Graduate/Professional Student | |
| 1st Year
(0-24 credit hours) |
$5,500—No more than $3,500 of this amount may be in subsidized loans | $9,500—No more than $3,500 of this amount may be in subsidized loans. | $20,500—No more than $8,500 of this amount may be in subsidized loans. |
| 2nd Year
(25-48 credit hours) |
$6,500—No more than $4,500 may be in subsidized loans | $10,500—No more than $4,500 of this amount may be in subsidized loans. | |
| 3rd and 4th
Year (each) (49+ credit hours) |
$7,500—No more than $5,500 may be in subsidized loans | $12,500—No more than $5,500 of this amount may be in subsidized loans. | |
| Maximum Total Debt from Stafford Loans When You Graduate | $31,500—No more than $23,000 of this amount may be in subsidized loans | $57,500—No more than $23,000 of this amount may be in subsidized loans. | $138,500—No more than $65,500 of this amount may be in subsidized loans.
The graduate debt limit includes Stafford Loans received for undergraduate study. |
