2025 Student Loan Limits for Undergraduates and Graduates

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Disclaimer

Summary: Each student loan has borrowing limits. Annual limits determine the amount you can borrow for a single academic year, while aggregate limits set a maximum on your total borrowing throughout the loan program. Furthermore, the loan amount can’t go over your school’s official cost of attendance once other financial aid is deducted.

Key Takeaways about Student Loan Limits

Federal student loan limits are determined by the type of loan, the student’s dependency status, and the student’s grade level, and past borrowing history.
Dependent undergraduates may borrow up to $31,000 in federal student loans.
Independent undergraduates may borrow up to $57,500 in federal student loans.
Graduate or professional students may borrow up to $138,500 in federal student loans, and certain health profession students may borrow up to $224,000.

When grants, scholarships, and federal aid are not enough, choose the Smart Option Student Loan® for Undergraduate Students. You can apply for the money you need for college, and the flexibility you want. Apply Now with Sallie Mae.

Is There a Limit On Student Loans?

Yes. Most student loans have several types of limits on the amount you can borrow.

Annual Student Loan Limits

An annual limit specifies the maximum amount you can borrow in a single academic year in each loan program for which you are eligible.

Aggregate Student Loan Limits

An aggregate limit, sometimes called a cumulative limit, specifies the total amount you are allowed to borrow through each loan program. One of the most common loan programs, the federal Direct Stafford Loan program.

Cost of Attendance Loan Limits

Your school's financial aid office cannot provide financial aid that exceeds your cost of attendance, which includes tuition, fees, housing, meals, transportation, and more. Financial aid is usually awarded in the order of scholarships, grants, work-study aid, and then student loans as needed. The cost of attendance (COA) dictates the maximum total cost after deducting other forms of financial assistance you may receive. This COA limit complements or replaces the annual loan limit to ensure that all aid, including student loans, stays within your school's determined budget for attendance.

Remember, making informed decisions about how to finance your education can significantly impact your financial well-being long after graduation.

How Student Loan Limits are Calculated

When you take out a student loan, both the annual and aggregate loan limits are applied to the loan amount. Each type of loan limit represents a restriction on the amount you can borrow.

Sometimes, you may want to borrow an amount that satisfies the annual limit, but you will qualify for a lower amount because your total debt would exceed the aggregate loan limit. You will then be restricted to the lower loan amount.

For example:

The Direct Unsubsidized Loan has annual limits for dependent undergraduate students based on the student’s year in school. The 2024 - 2025 loan limits are:

$5,500 for freshmen
$6,500 for sophomores
$7,500 per year for juniors, seniors, and any additional undergraduate years of study

The Direct Unsubsidized Loan also has an aggregate loan limit of $31,000 for dependent undergraduate students.

Suppose a dependent undergraduate student in a 5-year engineering degree program borrows the annual maximum for each of the first four years, for a total of $27,000. During the student’s fifth year the annual limit would be $7,500. However, as the next table shows, the remaining aggregate loan eligibility is only $4,000 after the end of the fourth year. So, the student can’t borrow the $7,500 annual maximum as a fifth-year senior. Instead, this student can borrow no more than $4,000.

Student Loan Limits By College Year
Year	Annual Limit	Amount Borrowed	Aggregate Debt	Remaining Aggregate Loan Eligibility
First Year (Freshman)	$5,500	$5,500	$5,500	$25,500
Second Year (Sophomore)	$6,500	$6,500	$12,000	$19,000
Third Year (Junior)	$7,500	$7,500	$19,500	$11,500
Fourth Year (Senior)	$7,500	$7,500	$27,000	$4,000
Fifth Year (Senior)	$7,500	$4,000	$31,000	$0

Private Student Loan Limits

Private student loans come with an annual limit based on the cost of attendance minus other financial aid, such as federal student loans. Undergraduates usually have aggregate loan limits from $75,000 to $120,000, while graduate and professional students may qualify for higher limits. Remember, these limits cover all student loan debt - both federal and private loans combined.

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Medical and dental residency and relocation loans and law bar study loans typically have annual loan limits that are 50% lower than the annual loan limits for students who are currently enrolled in school.

Even though you are working with a private student loan lender, your school will still certify the total amount you are able to borrow. Your school will let your lender know if adjustments needs to be made in order to ensure you are not offered financial aid (which includes student loans) in excess of your cost of attendance minus other aid received.

Ascent's private student loan gives students more opportunities to qualify for a loan with benefits that put students first, like 1% Cash Back at graduation and more… Learn More About Ascent

Federal Student Loan Limits

A federal student loan limit isn’t the amount you will be able to borrow, it’s the maximum the school can approve you to borrow. Your school might give you less than the loan limit.

The annual and aggregate borrowing limits on federal student loans vary based on several factors:

Loan Program (Direct Subsidized Loan, Direct Unsubsidized Loan, or Direct PLUS Loan)
Dependency Status (Dependent or Independent)
Year in School or Grade Level (Freshman, Sophomore, Junior, Senior, or Graduate Student)
Health Professional Student

If your grade level changes in the middle of the academic year, you may qualify for higher annual loan limits. You would then be eligible to borrow the difference between the new annual loan limit and the amount you already borrowed during the same academic year.

Similar rules apply to transfer students. Transferring from one school to another does not reset the loan limits. This can get a little tricky is you are transferring in the middle of an academic year. Your school will essentially let you borrow the difference between your annual loan limit at the new school and the amount received at the previous school. All loans borrowed through a loan program (i.e., Direct Stafford Loans) will count towards your aggregate loan limit.

Loan fees (which may be added to the loan balance) and capitalized interest do not count against the loan limits.

Direct Subsidized and Unsubsidized Loan Limits

Your school's financial aid office determines how much you will be able to borrow each year. This amount might be less than the annual loan limit.

When it comes to the Direct Stafford Loan program, it's important to remember there are two types of loans in the this loan program: Direct Subsidized Loans and Direct Unsubsidized loans. Although these loans are part of the same program, Direct Subsidized Loans have their own limits.

Eligibility for Direct Subsidized Loans is based on demonstrated financial need, up to the annual and aggregate loan limits. (As of July 1, 2012, students attending graduate school or professional school are no longer eligible to borrow new Direct Subsidized Loans.)

One more thing to keep in mind, beyond annual and aggregate loan limits, there is a maximum eligibility period for you to receive Direct Subsidized Loans. For first-time borrowers whose first loan was obtained on or after July 1, 2013, there is a maximum eligibility period of time that you can receive Direct Subsidized loan funds. You are only able to receive Direct Subsidized loans for no more than 150% of the published length of your program.

For example, if you are enrolled in a four-year degree program, the maximum amount of time you can receive Direct Subsidized loan funds is 150% of four years, which is six years.

Eligibility for Direct Unsubsidized Loans does not depend on demonstrated financial need.

Aggregate loan limits, sometimes referred to as cumulative limits, may be refreshed by repaying the debt. So, if you have hit the aggregate loan limit, you will need to pay down your loan before you will be eligible to borrow more.

The aggregate loan limits for students attending graduate school or professional school students include any undergraduate federal student loan debt.

Borrowing Limits for Direct Subsidized and Unsubsidized Loans

Direct Unsubsidized Loan Limits for Health Profession Students

Health profession students, such as students enrolled in medical school, are eligible for higher Direct Loan limits.

There are two different levels of increased loan limits, depending on the area of study (see table). These limits are available only to health profession students enrolled at U.S. colleges and universities. Students enrolled at foreign institutions are not eligible.

Health Professions Loan Limits
Health Professions Programs Eligible for Higher Direct Unsubsidized Loan Limits	Direct Unsubsidized Loan Limit 9-Month Academic Year	Direct Unsubsidized Loan Limit 12-Month Academic Year
Doctor of Allopathic Medicine Doctor of Osteopathic Medicine Doctor of Dentistry Doctor of Veterinary Medicine Doctor of Optometry Doctor of Podiatric Medicine Doctor of Naturopathic Medicine Doctor of Naturopathy	$40,500	$47,167
Doctor of Pharmacy Graduate in Public Health Doctor of Chiropractic Doctoral Degree in Clinical Psychology Masters/Doctoral Degree in Health Administration	$33,000	$37,167

Some schools may also offer 10-month or 11-month academic programs, which would have different annual limits than those listed here. Check with your school’s financial aid office to get the limits for your program.

Other Direct Loan Limits

Additional Loan Funds for Preparatory Coursework

All students: Up to $2,625 for coursework required for enrollment in an undergraduate degree or certificate program
Bachelor’s degree recipients: Up to $5,500 for coursework required for enrollment in a graduate or professional degree or certificate program
Bachelor’s degree recipients: Up to $5,500 for state-required teacher certification coursework

These loan funds are limited to a period of 12 consecutive months. Any loans received for preparatory coursework will be counted towards your Direct Loan aggregate loan limits.

If Parents Refuse to File the FAFSA

If the parents of a dependent undergraduate student decline to complete the FAFSA (Free Application for Federal Student Aid), the college's financial aid administrator may still permit the student to borrow additional Direct Unsubsidized Loans, even if the FAFSA is incomplete. Keep in mind that the student will not be eligible for the Direct Subsidized Loan, the Federal Pell Grant, or other types of federal student aid.

Increased Direct Unsubsidized Loan Limits for Dependent Undergraduate Students

There are times when a dependent student can become eligible for the same Direct Unsubsidized Loan limits as independent students:

Parents are denied eligibility for a Parent PLUS Loan
Other documented "exceptional circumstances," even if parents aren't denied eligibility for a Parent PLUS Loan

In some exceptional circumstances, college financial aid administrators may allow a dependent undergraduate student to borrow at the higher Direct Unsubsidized Loan limits available to independent students without requiring the parent to obtain a denial of a Parent PLUS Loan. For example, you would need to successfully qualify for a dependency override.

College financial aid administrators aren't required to make the student eligible for the higher loan limits, even if exceptional circumstances exist.

Prorated Annual Loan Limits for Undergraduate Students

Annual loan limits for Direct Loans are prorated (adjusted) for undergraduate students who are enrolled in programs that are:

Shorter than one academic year; or
Remaining period of study is shorter than one academic year

For example, if an undergraduate student in a 4-year Bachelor’s degree program will be graduating at the end of the fall semester (halfway through the academic year), the student is eligible for half of the annual loan limit for seniors.

Half-time students are eligible for the same annual loan limits as full-time students.

Direct PLUS Loan Limits

The annual loan limit for the Direct PLUS Loan (Parent PLUS Loan or Grad PLUS Loan) is the annual cost of attendance minus other aid received during the enrollment period. There is no aggregate loan limit. The loan limits are the same for both parents of undergraduate students as well as graduate students.

Direct Consolidation Loan Limits

There are no limits on Direct Consolidation Loans (also known as Federal Consolidation Loans), other than the underlying limits on the loans included in the consolidation loan.

Recommendations

File the FAFSA every year to maintain your eligibility for student aid.
When you compare different types of student loans, make sure you understand both the annual and aggregate loan limits.
If you are a dependent undergraduate student and your parents won’t qualify for a Parent PLUS Loan due to an adverse credit history, encourage them to apply anyway because a denial will make you eligible for the same Direct Loan limits as an independent student.
If you’ve hit the annual and/or aggregate limits on federal loans, but you still need additional funds to complete your education, consider private student loans as a potential option.

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We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

Explore federal loans and compare to make sure you understand the terms and features. Private student loans that have variable rates can go up over the life of the loan. Federal student loans are required by law to provide a range of flexible repayment options, including, but not limited to, income -based repayment and income-contingent repayment plans, and loan forgiveness and deferment benefits, which other student loans are not required to provide. Federal loans generally have origination fees, but are available to students regardless of income.

Loans for Undergraduate & Career Training Students are not intended for graduate students and are subject to credit approval, identity verification, signed loan documents, and school certification. Student must attend a participating school. Student or cosigner must meet the age of majority in their state of residence. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident), and provide an unexpired government-issued photo ID. Requested loan amount must be at least $1,000.

¹Advertised APRs for undergraduate students assume a $10,000 loan to a student who attends school for 4 years and has no prior Sallie Mae-serviced loans. Interest rates for variable rate loans may increase or decrease over the life of the loan based on changes to the 30-day Average Secured Overnight Financing Rate (SOFR) rounded up to the nearest one-eighth of one percent. Advertised variable rates are the starting range of rates and may vary outside of that range over the life of the loan. Interest is charged starting when funds are sent to the school. With the Fixed and Deferred Repayment Options, the interest rate is higher than with the Interest Repayment Option and Unpaid Interest is added to the loan’s Current Principal at the end of the grace/separation period. To receive a 0.25 percentage point interest rate discount, the borrower or cosigner must enroll in auto debit through Sallie Mae. The discount applies only during active repayment for as long as the Current Amount Due or Designated Amount is successfully withdrawn from the authorized bank account each month. It may be suspended during forbearance or deferment.

²Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note-first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.

³Based on a comparison of the percentage of students who were approved for any Sallie Mae loan with a cosigner to the percentage of students who were approved without a cosigner from October 1, 2023 to September 30, 2024.

⁴For applications submitted directly to Sallie Mae, loan amount cannot exceed the cost of attendance less financial aid received, as certified by the school. Applications submitted to Sallie Mae through a partner website will be subject to a lower maximum loan request amount. Miscellaneous personal expenses (such as a laptop) may be included in the cost of attendance for students enrolled at least half-time.

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²Nine-month grace period is not available for borrowers who choose our Principal and Interest Repayment plan while in school.

³Earnest does not charge fees for origination, late payments, or prepayments. Florida Stamp Tax: For Florida
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⁴Earnest clients may skip one payment every 12 months. Your first request to skip a payment can be made once you’ve made at least 6 months of consecutive on-time payments, and your loan is in good standing. The interest accrued during the skipped month will result in an increase in your remaining minimum payment. The final payoff date on your loan will be extended by the length of the skipped payment periods. Please be aware that a skipped payment does count toward the forbearance limits. Please note that skipping a payment is not guaranteed and is at Earnest’s discretion. Your monthly payment and total loan cost may increase as a result of postponing your payment and extending your term.

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Undergraduate, Graduate, MBA, Law, Health Interest Rates: Eligibility and Important Details. Fixed rates range from 3.54% APR to 15.99% APR with 0.25% autopay discount. Variable rates range from 4.64% APR to 15.99% APR with a 0.25% autopay discount. Unless required to be lower to comply with applicable law, Variable Interest rates are capped at 17.95%. SoFi rate ranges are current as of 1/7/25 and are subject to change at any time. Your actual rate will be within the range of rates listed above and will depend on the term and type of repayment option you select, evaluation of your creditworthiness, income, presence of a co-signer (if applicable) and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. Check out our eligibility criteria at https://www.sofi.com/eligibility-criteria/. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).

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Interest Rates: Eligibility and Important Details. Fixed rates range from 5.74% APR to 16.85% APR with a 0.25% autopay discount. Variable rates range from 6.07% APR – 16.85% APR with a 0.25% autopay discount. Unless required to be lower to comply with applicable law, Variable Interest rates are capped at 17.95%. SoFi rate ranges are current as of 1/7/25 and are subject to change at any time. Your actual rate will be within the range of rates listed above and will depend on the term and type of repayment option you select, evaluation of your creditworthiness, income, presence of a co-signer (if applicable) and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. Check out our eligibility criteria at https://www.sofi.com/eligibility-criteria/. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi.

Please borrow responsibly. SoFi Private Student loans are not a substitute for federal loans, grants, and work-study programs. We encourage you to evaluate all your federal student aid options before you consider any private loans, including ours. Read our FAQs.

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student's at least half-time enrollment in a degree program at a SoFi-participating school, and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is current as of 4/22/2025 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891. (www.nmlsconsumeraccess.org).