| Academic Level | Base Direct Loan Amount Subsidized & Unsubsidized | Additional Unsubsidized Loan for Undergraduate Students | Additional Unsubsidized Loan for Independent Undergraduates and Dependent Students with PLUS Denial | Federal Direct Loan Lifetime Aggregate Maximum |
|---|---|---|---|---|
| Freshman (0-23 cumulative hours) |
$3,500 | $2,000 | $4,000 |
Dependent Undergraduate: $31,000
Independent Undergraduate & Dependent Student with PLUS Denial: $57,500 |
| Sophomore (24-47 cumulative hours) |
$4,500 | $2,000 | $4,000 | |
| Junior and Senior (48+ cumulative hours) |
$5,500 | $2,000 | $5,000 | |
| All Eligible Post Baccalaureate & Students-at-Large pursuing a teachers certification | $5,500 | $2,000 | $5,000 | |
| Graduate & Professional Prior to June 30, 2012 | $8,500 | $0 | $12,000 | Graduate & Professional: $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. |
| Graduate & Professional with Loan Periods beginning after July 1, 2012 | $0 | $0 | $20,500 |