Aggregate Student Loan Limits


The term aggregate student loan limits refers to the total amount of federal loans a student may borrow for undergraduate and graduate study.  When a student reaches their aggregate loan limit, they are no longer eligible to receive additional loans.


In addition to annual limits, there are also limits to the total amount of subsidized and unsubsidized student loans available from the federal government.  Generally, the school's admissions department and financial aid office will determine the types of loans, if any, and the amount the student is eligible to receive each year.

These limits vary depending on the year of study as well as whether or not the student is claimed as a dependent by a parent or guardian.    In 2014 / 2015, the aggregate student loan limits for both subsidized and unsubsidized Direct Loans were $57,500 for independent undergraduate students ($31,000 for dependent students) and $138,500 for graduate students.

Once a student reaches these aggregate limits, they are no longer eligible to receive additional loans.  Students can become eligible to receive additional loans once repayment begins, and the total amount of outstanding debt drops below the aggregate loan threshold values.

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