Below are the applicable maximums that you are allowed to borrow. Student Financial Services monitors your loans to ensure you do not exceed a limit. Reviewing this information can help you plan what may be available during an academic year. Click on a section below for more information by loan type.
- Undergraduate Direct Student Loan Limits
|
Class Level |
Base Annual Amount for Dependant and
Independent Students
|
Additional Unsubsidized for Independent Students
|
|
Total Per Academic Year
|
Maximum of Annual that can be Subsidized
|
|
Freshman
|
5,500
|
3,500
|
4,000
|
|
Sophomore
|
6,500
|
4,500
|
4,000
|
|
Junior, Senior and Second Bachelors
|
7,500*
|
5,500*
|
5,000*
|
|
Teacher Certification
|
5,500
|
5,500
|
7,000
|
*To comply with federal law, CSU must prorate the amount of Direct Student Loan for any undergraduate student who enrolls in only one semester and will graduate in the same academic year. This predominately will apply to undergraduate students who will graduate from their program at the end of a fall term. The proration calculation is determined by dividing the number of credits a student is enrolled for by 24, multiplied by the appropriate annual loan limit.
- Graduate Direct Loan Limits
|
Class Level
|
Annual Limits
|
Aggregate Limits
(Includes any undergraduate loans)
|
|
Masters/PhD
|
20,500
|
138,500
|
|
Vet Med Years 1-3
|
40,500
|
224,000
|
|
Vet Med Year 4
|
47,167
|
- Perkins Loans
|
Class Level
|
Annual Limits*
|
Aggregate Limits
|
|
Undergraduate
|
5,500
|
Freshman/Sophomore Level: 11,000
All Undergraduate Total: 27,500
|
*Actual awarded amounts may be less depending on available funding
- Health Professions Student Loans
|
Class Level
|
Annual Limits*
|
Aggregate Limits
|
|
Vet Med Students
|
Not to exceed the Cost of Attendance
|
None
|
*Actual awarded amounts may be less depending on available funding
- Direct PLUS Loan Limits
|
Loan Type
|
Annual Limits
|
Aggregate Limits
|
|
Parent PLUS Loan
|
Cost of Attendance minus all other aid
|
None
|
|
Graduate PLUS Loan
|
Cost of Attendance minus all other aid
|
None
|
- Short Term Loans
|
Class Level
|
Semester Limits
|
Aggregate Limits
|
|
Undergraduate/Graduate
|
300 (400 in the semester you are graduating)
|
None
|
|
Vet Med Students
|
500
|
None
|
- Alternative Educational Loans
|
|
Annual Limits
|
Aggregate Limits
|
|
All Class and Student Levels
|
Cost of Attendance minus all other aid
|
Varies by Lender
|