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When You Have Surpassed Your Lifetime Loan Limit

Dependent Undergraduate Students

$31,000 subsidized/unsubsidized total — No more than $23,000 can be subsidized loans.

Independent Undergraduate Students

$57,500 subsidized/unsubsidized total for undergraduates — No more than $23,000 can be subsidized loans.

Graduate Students

$138,500 subsidized/unsubsidized total for graduate or professional students — The graduate aggregate limit includes all federal loans received for undergraduate study.


If you have inadvertently exceeded your undergraduate aggregate limit, here are some options for you to regain federal eligibility to borrow as a Graduate Student:

  • Consolidate Your Loans - Federal Direct Loan Consolidation loan is considered to be a satisfactory arrangement to repay the excess amount that restores the borrower’s eligibility for FSA aid. Once your consolidation loan is finalized, submit the documentation to our financial aid office.
  • Repay the amount that is over the aggregate limit


If you have received Federal Direct Loans up to but not exceeding the aggregate limit for graduate students, you are still eligible to borrow a Federal Direct Graduate PLUS Loan.