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How much can be borrowed through Federal Direct Stafford loans?

Types of Loans

  • Subsidized- the federal government pays the interest on the loan while the student is enrolled at least half time.  Student must demonstrate financial need.
  • Unsubsidized- students may borrow this loan without demonstrating need; however, interest accrues from the day the loan is disbursed.

Borrowing Maximums

Student Type Completed Credits Subsidized Unsubsidized Annual Max (Sub+Unsub)
Dependent Less than 30 $3,500 $2,000 $5,500
Dependent 30 or more* $4,500 $2,000 $6,500
Independent Less than 30 $3,500 $6,000 $9,500
Independent 30 or more* $4,500 $6,000 $10,500
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