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Loan Borrowing Limits


Federal Stafford Loan Borrowing Limits

  • The total combined amounts a student may borrow in subsidized and unsubsidized Stafford loans may not exceed the annual loan limits or aggregate limits, which are specified in federal regulations.

  • The amount of the subsidized loan combined with other “need-based” aid cannot exceed the student’s “financial need.”  The EFC is based on information collected from the Free Application for Federal Student Aid (FAFSA).

  • Although the unsubsidized loan is a non-need based aid, the amount of the unsubsidized loan, combined with other aid, cannot exceed the total estimated cost of attendance.

  • All awards, including accepted Direct Stafford Loans, are subject to change if corrections to your financial aid package are required.

  • Time Limitation on Direct Subsidized Loan Eligibility for
    First-Time Borrowers on or after July 1, 2013.
    More information


Transfer Students

  • The amount of loans received at a previous institution my affect your eligibility to receive loans at UCF. 

  • If you received Federal Direct Stafford loans during this academic year at another institution, make sure that the remainder of that loan is canceled before applying for a loan at UCF. 


Annual Limits

  • Annual loan limits are determined by class standing (freshman, sophomore, etc.) and dependency status.
Class Level
Credits Earned

Freshman
01 - 29
Sophomore
30 - 59
Junior
60 - 89
Senior
90 -120
  • Students enrolled in at least half-time (6 credit hours) in an eligible Teacher Certificate Program may receive federal Direct Loans at the Undergraduate senior level. See Certificate Programs for more information.

NOTE: A dependent student whose parent has been denied a PLUS loan during the current aid year may be eligible to receive Federal Stafford loans at the independent level with proof of PLUS loan denial from the lender. A PLUS loan letter of denial from the lender is only valid for one aid year.

Teacher Certification Program

Students enrolled in at least half-time (6 credit hours) in an eligible Teacher Certificate Program may receive federal Direct Loans at the Undergraduate senior level.  See Certificate Programs for more information on the qualification criteria for Teacher Certificate Programs
 On this page:
  Stafford Loan Borrowing Limits
  Borrowing Limits for Transfer Students
  Annual Limits
  Borrowing Limits
Per Academic Year Fall & Spring
  Borrowing Limits for Summer Terms
  Aggregate Limits
  Loans
Home
Accept, Decline or Reduce Loans
Total Aggregate Limits



Loan Borrowing Limits
Per Academic Year Fall & Spring

Dependent
Maximum Subsidized
Additional Unsubsidized
Combined
Subsidized & Unsubsidized
Freshman

$3,500

$2,000 =

$5,500

Sophomore

$4,500

$2,000 =

$6,500

Junior/ Senior

$5,500

$2,000 =

$7,500

Independent
Maximum Subsidized
Additional Unsubsidized
Combined
Subsidized & Unsubsidized
Freshman

$3,500

$6,000 =

$9,500

Sophomore

$4,500

$6,000 =

$10,500

Junior/ Senior

$5,500

$7,000 =

$12,500

Graduate

$0*

$20,500 =

$20,500


Summer Loan Limits
Summer loans will be available for eligible students
Max Term Amounts are listed below
Dependent
Maximum Subsidized
Additional Unsubsidized
Combined
Subsidized & Unsubsidized
Freshman

$1,750

$1,000 =

$2,750

Sophomore

$2,250

$1,000 =

$3,250

Junior/ Senior

$2,750

$1,000 =

$3,750

Independent
Maximum Subsidized
Additional Unsubsidized
Combined
Subsidized & Unsubsidized
Freshman

$1,750

$3,000 =

$4,750

Sophomore

$2,250

$3,000 =

$5,250

Junior/ Senior

$2,750

$3,500 =

$6,250

Graduate

$0*

$10,250 =

$10,250

*Effective fall 2012, in accordance with new Federal regulations, graduate and professional students will receive their maximum federal direct loan eligibility in Federal Direct Unsubsidized Loans.  Graduate students are not eligible for Subsidized loans.



Aggregate Limits

The total amount that a student may borrow for the academic career is called the aggregate limit, which is specified in federal regulations.  See Total Aggregate Limits for more details.