Aggregate Direct Loan Limits by Class Level

Aggregate Direct Loan Limits by Class Level:

Class Level	Dependent	Independent
Freshman: 0 - 29 units	$5,500 If qualified, $3,500 may be in subsidized loans If Parent PLUS Loan is denied, you may borrow an additional $4,000 in unsubsidized loans	$9,500 If qualified, $3,500 may be in subsidized loans
Sophomore: 30 - 59 units	$6,500 If qualified, $4,500 may be in subsidized loans If Parent PLUS Loan is denied, you may borrow an additional $4,000 in unsubsidized loans	$10,500 If qualified, $4,500 may be in subsidized loans
Junior: 60 - 89 units	$7,500 If qualified, $5,500 may be in subsidized loans If Parent PLUS Loan is denied, you may borrow an additional $5,000 in unsubsidized loans	$12,500 If qualified, $5,500 may be in subsidized loans
Senior: 90+ units	$7,500 If qualified, $5,500 may be in subsidized loans If Parent PLUS Loan is denied, you may borrow an additional $5,000 in unsubsidized loans	$12,500 If qualified, $5,500 may be in subsidized loans
Teaching Credential	$5,500 Subsidized and or unsubsidized loans If Parent PLUS Loan is denied, you may borrow an additional $5,000 in unsubsidized loans	$12,500 If qualified, $5,500 may be in subsidized loans
Graduate / Doctoral	Not applicable	$20,500 for most graduate programs. $33,000 for students in the Public Health master's degree program. $33,000 for students in the Clinical Psychology joint doctoral program.

 

Graduating Senior Loan Proration

Generally, you may borrow an amount up to your maximum annual loan limit as long as the amount does not exceed your cost of attendance minus other financial aid and resources. However, if you are a graduating senior, the amount you are eligible to borrow is reduced in certain situations.

If you are a graduating senior, you may not be able to receive the full annual amount of your subsidized and unsubsidized direct loans.

• If the time needed to complete your degree is shorter than an academic year, meaning you will graduate at the end of the fall semester, we must prorate your loan based on the number of units for which you are enrolled.

• In some cases, your loan amount must be prorated if you are graduating at the end of summer session.

Annual Direct Loan Limits by Degree:

Class Level	Dependent	Independent
Undergraduate	$31,000 If qualified, $23,000 may be in subsidized loans	$57,500 If qualified $23,000 may be in subsidized loans
Teaching Credential	$31,000 If qualified, $23,000 may be in subsidized loans	$57,500 If qualified $23,000 may be in subsidized loans
Graduate / Doctoral	Not applicable	$138,500 for most graduate programs. $224,000 for students in the Public Health master's degree program. $224,000 for students in the Clinical Psychology joint doctoral program.

 

Subsidized Eligibility Limited to 150% of your Undergraduate Program

If you borrowed a Direct Loan for the first time on or after July 1, 2013, there is a limit on the maximum period of time (measured in academic years, not units completed) that you can receive Subsidized Direct Loans.

In general, you may not receive Subsidized Direct Loans for more than 150% of the published length of your program. For example, 150% of a 4-year undergraduate program = 6 years. More information is available at the U.S. Department of Education Federal Student Aid website.