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Stafford Direct Loan Maximums
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Dependent Students
Independent Students*
Academic Year
Subsidized Only
Subsidized and
Unsubsidized Combined
Subsidized Only
Unsubsidized Combined
Annual Limits
Year 1 $3,500 $5,500 $3,500 $9,500
Year 2 $4,500 $6,500 $4,500 $10,500
Years 3 & 4 $5,500 $7,500 $5,500 $12,500
Teacher Credential $5,500 $5,500 $5,500 $12,500
Post-Baccalaureate Unclassified $5,500 $5,500 $5,500 $12,500
Graduate/Professional N/A N/A N/A $20,500**
Aggregate Limits        
Dependent $23,000 $31,000 N/A N/A
Independent N/A N/A $23,000 $57,500
Graduate/Professional N/A N/A $65,500 $138,500

For financial aid purposes, you must have earned a minimum of 30 units to be considered a sophomore; 60 units to be considered a junior; 90 units to be considered a senior. Your loan will be processed at the grade level assigned by the office of Admissions and Records.

* Includes Dependent students whose Parents are PLUS loan denied.

** Graduate/Professional $20,500 annual loan limit is Unsubsidized Loan only

*** Restriction for graduating seniors with one-semester loan: We are required by federal law to prorate (determine partial loan eligibility) when an undergraduate student plans to graduate at the end of the one term for which they are receiving a Stafford loan. For example, a senior who will be graduating at the end of fall term will be subjected to proration of his/her annual loan amount because he/she will not attend the whole academic year.

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