One West University Boulevard, Brownsville, Texas 78520 | 956-882-8200

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:

 

 

Base Loan Sub/Unsub

Additional Unsubsidized Amount

Total Loan

First Year

$3,500

$2,000

$5,500 (Freshman)

Second Year

$4,500

$2,000

$6,500 (Sophomore)

Third Year and Beyond Undergraduate

$5,500

$2,000

$7,500 (Juniors & Seniors)

Independent Undergraduate Students (and dependent students whose parents cannot borrow a Parent Loan):  

 

 

Base Loan Sub/Unsub

Additional Unsubsidized Amount

Total Loan

First Year

$3,500

$6,000

$9,500 (Freshman)

Second Year

$4,500

$6,000

$10,500 (Sophomore)

Third Year and Beyond Undergraduate

$5,500

$7,000

$12,500 (Juniors & Seniors)

Graduate and Professional Students:

 

 

Base Loan Subsidized

Unsubsidized Amount

Total Loan

Graduate / Professional Students

Not Available

$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 and 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)

 

 

 

 

Office of Financial Aid

 Enrollment Center @ The Tower, Main 1.100

Office Hours
8:00 a.m. - 5:00 p.m.

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

 

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