Federal Direct Loan Program Loan Limits

Level

Annual
Subsidized/
Unsubsidized

Annual
Additional
Unsubsidized

Annual
Additional
Unsubsidized (Independent Students)

Total Annual Loan Limits

Dependent

Independent/
Dependent with PLUS denial

Freshman (0-29 credit hours)

$3,500

$2,000

$4,000

$5,500

$9,500

Sophomore (30-59 credit hours)

$4,500

$2,000

$4,000

$6,500

$10,500

Junior (60-89 credit hours)

$5,500

$2,000

$5,000

$7,500

$12,500

Senior (90+ credit hours)

$5,500

$2,000

$5,000

$7,500

$12,500

Graduate

$8,500

$12,000

$20,500