You can receive a subsidized loan and an unsubsidized loan for the same enrollment period as long as you don't exceed the annual loan limits or the cost of attendance.

If you're a dependent undergraduate student, with sufficient need, each year you can borrow up to:

- $5,500 if you're a first-year student enrolled in a program of study that is at least a full academic year (no more than $3,500 of this amount may be in subsidized loans).
- $6,500 if you've completed your first year of study (earned 30 hrs) and the remainder of your program is at least a full academic year (no more than $4,500 of this amount may be in subsidized loans).
***** - $7,500 if you've completed two years of study (earned 60 hrs) and the remainder of your program is at least a full academic year (no more than $5,500 of this amount may be in subsidized loans).

If you're an independent undergraduate student or a dependent student whose parents have applied for but were denied a PLUS Loan (a parent loan), each year you can borrow up to:

- $9,500 if you're a first-year student enrolled in a program of study that is at least a full academic year (no more than $3,500 of this amount may be in subsidized loans).
- $10,500 if you've completed your first year of study (earned 30 hrs) and the remainder of your program is at least a full academic year (no more than $4,500 of this amount may be in subsidized loans).*
- $12,500 if you've completed two years of study (earned 60 hrs) and the remainder of your program is at least a full academic year (no more than $5,500 of this amount may be in subsidized loans).

If you're a post-baccalaureate student who is enrolled in coursework necessary for a professional credential or certification from a state required for employment as a teacher or a post-baccalaureate student who is completing preparatory coursework required for enrollment in a graduate or professional program:

- $12,500 (no more than $5,500 of this amount may be in subsidized loans).

If you're a graduate/professional student, with sufficient eligibility, each year you can borrow up to:

- $20,500 unsubsidized.

These amounts are the maximum yearly amounts you can borrow in both subsidized and unsubsidized Direct Loans, individually or in combination. Because you can't borrow more than your Cost of Attendance (COA) minus the amount of any Federal Pell Grant you're eligible for, minus any other financial aid, you may receive less than the annual maximum amounts.

The maximum total debt from Stafford Loans when you graduate cannot exceed:

- Undergraduate Dependent Student - $31,000 (no more than $23,000 of which can be subsidized).
- Undergraduate Independent Student - $57,500 (no more than $23,000 of this amount may be in subsidized loans.
- Graduate Student - $138,500 (no more than $65,500 of this amount may be in subsidized loans. The graduate debt limit includes Stafford Loans received for undergraduate study.

** * Note:** Students classified as Basic, Pre-Business, Pre-Architecture, Pre-Interior Design, Pre-Engineering, Pre-Nursing, and associate degree programs in General Studies, Health Information Technology, or Nursing are limited to no more than second year loan limits ($6,500 Dependent/$10,500 Independent).