Winter Break 2019- Office Hours:

9:00 AM - 5:00 PM,  December 10th - 20th
Office Closed: Dec. 23rd  -  Jan. 1st  |  Reopening on January 2nd

Aggregate Limits

Total 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.

Once the aggregate limit has been reached, students are no longer eligible to borrow Federal Stafford loans.

Per federal regulations, a student who exceeds the aggregate loan limit is ineligible to receive any additional federal student loans or federal aid, including the Federal Pell Grant, until the overage is resolved.

There is time limitation on Federal Direct Subsidized loans. For more information, please click here.

Total Aggregate Limit

Academic Career Maximum Subsidized Additional Unsubsidized Combined Subsidized & Unsubsidized
Dependent Undergraduate $23,000 $8,000 $31,000
Independent Undergraduate $23,000 $34,500 $57,500

Total Aggregate Limit

Academic Career Maximum Unsubsidized
Graduate (includes Undergrad amounts) $138,500

National Student Loan Data System (NSLDS)

The National Student Loan Data System (NSLDS) is the U.S. Department of Education’s secure central database for student aid, where students can view their federal student loan history:

  • Summary of Disbursed Federal Student Loans
  • Total amount borrowed
  • Contact Information of Lenders and Loan Servicers

It is the student’s responsibility to keep track of all federal student loans borrowed using NSLDS, including Federal Stafford, Perkins, PLUS and Grad PLUS loans. Optional/Private loan history is not stored on NSLDS.

In order to log on to the NSLDS Web site, students will need to provide the Social Security number (SSN), the first two letters of the last name, the date of birth, and the PIN. Students who do not remember their PIN may request a duplicate from the official PIN site.

Aggregate Checklists

Students who receive either the Subsidized or Total Aggregate Limit checklist on the To Do List must log on to the NSLDS web site to review their loan history. NSLDS will only include the running total of disbursed loans and will not include any undisbursed loans.
Students who receive the checklist could either be approaching the Subsidized or Total Aggregate Limit (depending on the checklist) with less than one year remaining in eligibility or potentially have reached the limit.

Students with any aggregate warning status must undergo careful review before the Stafford loan eligibility can be determined. In order for students to be selected for loan eligibility review, the following criteria must be met:

Students Must:

  • File the FAFSA.
  • Be a U.S. citizen or eligible non-citizen.
  • Have a high school diploma or equivalent.
  • Be fully admitted and meet UCF Admission requirements.
  • Be classified as degree seeking at UCF in an eligible program.
  • Enroll for at least half-time at UCF in UCF classes at time of disbursement. For more information regarding half-time enrollment please view our Program Eligibility Chart.
  • Maintain UCF’s Standards for Satisfactory Academic Progress (SAP).
  • Complete all required To Do List Items.
  • Complete verification (if selected).
  • If in receipt of a Federal Stafford Direct Loan during this academic year at another institution, make sure that the remainder of that loan is canceled before applying for a loan at UCF.

Students Cannot:

  • Default on any educational loan or owe repayment on a federal grant at this or any other institution.
  • Borrow in excess of federal Aggregate limits. See the above Total Aggregate Limit chart.

NOTE: Students who have incomplete required documents on the To Do List or who are selected with Verification, will not have access to accept loans until all required documentation has been submitted and Verification has been completed.

Once the loan eligibility has been reviewed, the Aggregate checklist(s) will be removed from the To Do List.