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Stafford Loan Limits

  Dependent Undergraduate Student Independent Undergraduate Student Graduate and Professional Student
Freshman year
(0-29 credit hrs)
$5500
(maximum subsidized $3500) 
$9,500 – No more than $3500 of this amount may be in subsidized loans  
Sophomore year
(30-59 credit hrs)
$6500
(maximum subsidized $4500) 
$10500 - No more than $4500 of this amount may be in subsidized loans $20,500 - No more than $8500 of this amount may be in subsidized loans and $12,000 unsubsidized
Junior & Senior year
(60-89 JR credit hrs)
(90 & more SR credit hrs)
$7500
(maximum subsidized $5500 
$12,500 - No more than $5500 of this amount may be in subsidized loans  
Maximum Total Debt From Stafford Loans When You Graduate $31,000
(maximum subsidized $23,000)
$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.