How much can I borrow under a Stafford Loan?

Stafford Loan Benefits
  • Fixed interest rate - as low as 3.86%
  • No payments while in school at least half-time

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These Federal Stafford loan limits are for the 2013-2014 academic school year.

  • The loan limits are based on the student's grade level and dependency status. Independent students can borrow more because they are paying for college without assistance from their family. Dependent students whose parents were denied a Federal Parent PLUS loan are eligible to borrow at the independent student limits.
  • It is important to note that even if a student is financially self-sufficient and paying for his/her education on his/her own, dependency status is still determined by the school.
  • After a student has exhausted his/her federal loan limits, he/she may wish to consider private student loans, which allow students to borrow up to the total cost of education less other financial aid received.
Grade Level Dependent Undergraduate Student Independent Undergraduate Student*
Freshman $5,500
(max $3,500 subsidized)
$9,500
(max $3,500 subsidized)
Sophomore $6,500
(max $4,500 subsidized)
$10,500
(max $4,500 subsidized)
Juniors, Seniors and Beyond $7,500
(max $5,500 subsidized)
$12,500
(max $5,500 subsidized)
Cumulative Limit $31,000
(max $23,000 subsidized)
$57,500
(max $23,000 subsidized)

»Learn more about student and parent loan limits


Stafford Loan Frequently Asked Questions