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Direct Loan Limits and Interest Rates

All interest rates are fixed (not variable) by the Federal Government.

Loan Type 

Interest Rate 

 Subsidized Stafford Loan – Undergraduate ONLY

3.86%

Unsubsidized Stafford Loan – Undergrad

3.86%

Unsubsidized Stafford Loan – Grad/Prof

 5.41%

PLUS and GradPLUS

 6.41%

 

Stafford Loan Limits: Annual

Dependent Undergraduate-DH & Nursing

Annual Loan Limit (Per Academic Period)

Junior (3rd Year) and Beyond

$7,500  ($5,500 may be subsidized loans)

Independent Undergraduate-DH & Nursing

Annual Loan Limit (Per Academic Period)

Junior (3rd Year) and Beyond

$12,500  ($5,500 may be subsidized loans)

Graduate Students

Annual Loan Limit (Per Academic Period)

BCD-GR

$20,500

Professional Students

Annual Loan Limit (Per Academic Period)

DDS – Year 1 & 2

$42,722

Medical - Year 1

$42,722

Medical – Year 2

$40,500

Medical – Year 3

$47,167

Medical – Year 4

$44,944

DDS – Year 3 & 4

$47,167

COP – Years 1-3

$34,388

COP – Year 4

$35,777

SRPH, SGS, & IBT

$33,000

 

Stafford Loan Limits: Lifetime (Aggregate)*

Classification

Amount

Undergraduate Dependent

$31,000  ($23,000 may be subsidized)

Undergraduate Independent

$57,500  ($23,000 may be subsidized)

Post-Graduate

$138,500

Graduate & Professional DDS/Med/COP

$224,000

 

*Lifetime limits include both Direct & FFELP Stafford loans received during undergraduate study.