Federal Direct loan borrowing limits per academic year for Traditional Undergraduates
and Professional Studies Students
| Loan Type |
Maximum Loan Amount for Dependent Students |
Maximum Loan Amount for Independent or Dependent Student whose parent is ineligible for PLUS |
| First-year undergraduates and professional studies |
| Base Direct loan eligibility (subsidized and unsubsidized) |
$3,500 |
$3,500 |
| Additional unsubsidized Direct loan eligibility |
$2,000 |
$6,000 |
| Maximum First-Year Total |
$5,500 |
$9,500 |
| Second-year undergraduates and professional studies |
| Base Direct loan eligibility (subsidized and unsubsidized) |
$4,500 |
$4,500 |
| Additional unsubsidized Direct loan eligibility |
$2,000 |
$6,000 |
| Maximum Second-Year Total |
$6,500 |
$10,500 |
| Third and subsequent-years undergraduates and professional studies |
| Base Direct loan eligibility (subsidized and unsubsidized) |
$5,500 |
$5,500 |
| Additional unsubsidized Direct loan eligibility |
$2,000 |
$7,000 |
| Maximum Third and Subsequent Years Total |
$7,500 |
$12,500 |
