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Direct Loan Limits

The amount a student can borrow during an academic year is based on several different factors including grade level, dependency status and federal loan limits. The following chart lists the maximum yearly loan limits for Subsidized and Unsubsidized loans:

Yearly Loan Limits

Dependent Undergraduate Students:

Dependent Undergraduate Students
Classification Base Loan Sub/Unsub Additional Unsubsidized Amount Total Loan
Freshmen $3,500 $2,000 $5,500
Sophomore $4,500 $2,000 $6,500
Juniors & Seniors $5,500 $2,000 $7,500
Independent Undergraduate Students (and dependent students whose parents cannot borrow a Parent Loan)
Classification Base Loan Sub/Unsub Additional Unsubsidized Amount Total Loan
Freshmen $3,500 $6,000 $9,500
Sophomore $4,500 $6,000 $10,500
Juniors & Seniors $5,500 $7,000 $12,500
Graduate and Professional Students
Classification Base Loan Sub/Unsub Additional Unsubsidized Amount Total Loan
Graduate/Professional Students N/A $20,500 $20,500

The Department of Education also sets aggregate, or total, loan limits that students cannot go over. Students cannot borrow more than the following lifetime limits for Subsidized and Unsubsidized loans:

Aggregate Loan Limits

Types of Student Maximum Amounts (Subsidized & Unsubsidized)
Dependent Students $31,000 – no more than $23,000 of this amount may be subsidized ($8,000 must be unsubsidized)
Independent Students (and dependent students whose parents cannot borrow PLUS) $57,500 – no more than $23,000 of this amount may be subsidized ($34,500 must be unsubsidized)
Graduate and Professional Students $138,500 – no more than $65,500 of this amount may be subsidized ($73,000 must be unsubsidized)
Financial Aid
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Enrollment Center @
The Tower, Main 1.100

One West University Boulevard Brownsville, Texas 78520

Phone: (956) 882-8277
Fax: (956) 882-8229
financialaid@utb.edu

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