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Federal Direct Loans

There are two types of Federal Direct Loans: Subsidized and Unsubsidized. You can learn more about them below. The combined amounts of the Subsidized and Unsubsidized Loans cannot exceed the below academic year maximums nor your Cost of Attendance (COA) minus all other awarded financial aid.

Annual Direct Subsidized and Unsubsidized Loan Limits
Dependent Annual Loan Amount
Freshman (0-29 hrs) $5,500
($3,500 between subsidized and unsubsidized, plus an additional $2,000 unsubsidized)
Sophomore (30-59 hrs) $6,500
($4,500 between subsidized and unsubsidized, plus an additional $2,000 unsubsidized)
Junior or Senior (60+ hrs) $7,500
($5,500 between subsidized and unsubsidized, plus an additional $2,000 unsubsidized)

Annual Direct Subsidized and Unsubsidized Loan Limits
Independent
(and dependent students whose parents cannot get a PLUS Loan*)
Annual Loan Amount
Freshman (0-29 hrs) $9,500
($3,500 between subsidized and unsubsidized, plus an additional $6,000 unsubsidized)
Sophomore (30-59 hrs) $10,500
($4,500 between subsidized and unsubsidized, plus an additional $6,000 unsubsidized)
Junior or Senior (60+ hrs) $12,500
($5,500 between subsidized and unsubsidized, plus an additional $7,000 unsubsidized)
Graduate or Professional $20,500
($8,500 between subsidized and unsubsidized, plus an additional $12,000 unsubsidized)

*Please review the Federal PLUS Loan section to learn more.

Direct Subsidized Loan

SUMMARY
  • Low-interest loan in the student's name, awarded on a need-basis. Interest is paid by the federal government while the student remains in school enrolled in at least half-time hours, and repayment is deferred while the student is in school.
  • Limited to students who demonstrate need on their FAFSA.

Note: If you were selected for verification, this aid will not credit to your semester bill until the Verification process is completed.

Direct UnSubsidized Loan

SUMMARY
  • Low-interest loan in the student's name. Interest is accrued while the student remains in school enrolled in at least half-time hours, and repayment is deferred while the student is in school.
  • Available to students who complete the FAFSA, and do not qualify on a need basis for the full amount of the Direct Subsidized Loan.
  • Students may qualify for an Additional Unsubsidized Direct Loan if their parent(s) are denied a Federal PLUS loan, or if the student meets the federal guidelines for independent status for financial aid purposes. Please read below for the Direct Additional Unsubsidized Loan.

Note: If you were selected for verification, aid will not credit to your semester bill until the Verification Process is completed.


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