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Direct Stafford Loans

Direct Stafford Loans are for undergraduate, graduate and professional degree students. You must be attending as at least a half-time student to be eligible for a Direct Stafford Loan.

There are two types of Direct Stafford Loans: subsidized and unsubsidized. You must have financial need to receive a Subsidized Stafford Loan. Financial need is not a requirement to obtain an Unsubsidized Stafford Loan. The U.S. Department of Education will pays the interest that accrues on Subsidized Stafford Loans while the student is in school at least half time and during times of authorized deferment. The U.S. Department of Education does not pay the interest during the grace period, or during times of forbearance or repayment.

Annual and Aggregate (Program) Limits for Direct Subsidized and Unsubsidized Stafford Loans

Undergraduate Students

Dependent Student

Independent Student

1st Year

$5,500

(only $3,500 of this amount may be in subsidized loans)

$9,500

(only $3,500 of this amount may be in subsidized loans)

2nd Year

$6,500

(only $4,500 of this amount may be in subsidized loans)

$10,500

(only $4,500 of this amount may be in subsidized loans)

3rd Year, 4th and 5th Year

$7,500

(only $5,500 of this amount may be in subsidized loans)

$12,500

(only $5,500 of this amount may be in subsidized loans)

Undergraduate Aggregate limits for Stafford Loans

$31,000

(No more than $23,000 of this amount may be in subsidized loans)

$57,500

(No more than $23,000 of this amount may be in subsidized loans)

Graduate Students

N/A

$20,500

(only $8,500 of this amount may be in subsidized loans)

Graduate Aggregate limits for Stafford Loans

N/A

$138,500

This includes amounts received during periods of undergraduate study.

(No more than $65,000 may be in subsidized loans)