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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 (SUB) and Unsubsidized (UNSUB) Stafford Loans

Academic Level

Dependent Limits

Independent Limits

Sub

Unsub

Sub

Unsub

1st year

$3,500

$2,000

$3,500

$6,000

2nd year

$4,500

$2,000

$4,500

$6,000

3rd and up

$5,500

$2,000

$5,500

$7,000

Master’s and Doctoral

N/A

N/A

N/A

$20,500

Aggregate Undergraduate (Subsidized Loan Included)

$31,000 (no more than $23,000 may be Subsidized)

$57,500 (no more than $23,000 may be Subsidized)

Aggregate Master’s and Doctoral (Subsidized and Undergraduate Loan Included)

N/A

N/A

$138,500 (no more than $65,500 may be Subsidized)