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Stafford Loan Limits

Annual Loan Limits for Subsidized and Unsubsidized Stafford Loans

  Dependent Undergraduate Student Independent Undergraduate Student Graduate/Professional Student
1st Year
(0-24 credit hours) 		$3,500 $7,500 — No more than $3,500 of this amount may be in subsidized loans. $20,500—No more than $8,500 of this amount may be in subsidized loans.
2nd Year
(25-48 credit hours) 		$4,500 $8,500 — No more than $4,500 of this amount may be in subsidized loans.  
3rd and 4th
Year (each)
(49+ credit hours) 		$5,500 $10,500 — No more than $5,500 of this amount may be in subsidized loans.  
Maximum Total Debt from Stafford Loans When You Graduate $23,000 $46,000 — No more than $23,000 of this amount may be in subsidized loans. $138,500—No more than $65,500 of this amount may be in subsidized loans.

The graduate debt limit includes Stafford Loans received for undergraduate study.