Federal Stafford Loans. Also see Federal DirectSubsidized & Unsubsidized Aggregate Loan Limits in Important terms. Man climbing a rope . On top of the annual and aggregate student loan limits, your college sets its own guidelines on how much you can borrow based on its cost of attendance. Student loan limits vary depending on the type of loan, the student’s degree level, year in school and dependency status, the college’s cost of attendance, other aid received by the student and loan program. A student that has not reached the aggregate loan limit, but who has reached this limitation, will not be eligible for subsidized student … This course discusses and demonstrates the basic aggregate calculation The aggregate loan limit is the cumulative lifetime amount a student is allowed to borrow in Department of Education loans. There are loan limits that apply to what you’ve borrowed in one year and aggregate loan limits that apply to what you’ve borrowed ever since you’ve been in school. nearing or have reached your lifetime aggregate limits established for the Federal student loan programs. The Office of Financial Aid and Student Employment processes Graduate Student loans. The $65,500 subsidized aggregate loan limit for graduate or professional students includes subsidized loans that a graduate or professional student may have received for periods of enrollment that began before July 1, 2012, or for prior undergraduate study. Aggregate loan limit is the max amount you can take out in student loans. These aggregate loan limits usually include all student loan debt, including both federal and private student loans. The aggregate amount applies to undergraduate and graduate studies, continuing education programs and other educational opportunities along the way. Dependent students have lower borrowing limits than independent students. They also have federal student loan limits, as follows: Any graduate or professional student is limited to $20,500 in federal student loans, all unsubsidized, each year. At the end of the time frame, the limit typically resets. The following pointers will help you to make the most out of your financial aid before reaching your aggregate limit. The only other federal loan is the Perkins loan. First-time borrowers taking out federal Direct subsidized loans on or after July 1, 2013 are subject to the 150% Direct Subsidized Loan Limit, which limits the amount of time a student is eligible to borrow subsidized loans to 150% of their published program length. Some students in the health profession, however, can borrow more in direct unsubsidized loans, so you should speak with your financial aid office if this applies to you. Most private student loans have aggregate loan limits of $75,000 to $120,000 for undergraduate students and higher limits for graduate and professional students. The following table outlines maximum annual and career/aggregate loan limits for Direct Subsidized and Unsubsidized Loans. I am just shocked that I reached my aggregate student loan limit half way through when my COA certified by the school is around 95k per year instate. The aggregate loan limit for graduate or professional students is $138,500, with no more than $65,500 in subsidized loans. Understanding Your Federal Student Aid Lifetime Limit There is a limit to the amount of federal student aid that can be awarded over your lifetime as a student. Limits apply to many types of payment or loans, including student loans, insurance payouts and salaries. 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