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Federal Loan Maximums

Below are the maximum amounts you can borrow each academic year in federal Stafford loans:

Events list for the current academic year.
 Year Status Subsidized Unsubsidized
Freshman Dependent $3,500 $2,000
Freshman Independent $3,500 $6,000
Sophomore Dependent $4,500 $2,000
Sophomore Independent $4,500 $6,000
Junior Dependent $5,500 $2,000
Junior Independent $5,500 $7,000
Senior Dependent $5,500 $2,000
Senior Independent $5,500 $7,000
Graduate Student Independent $0 $20,500

Your year is determined by the number of credits you have completed:

Events list for the current academic year.
Grade Level Credits
Freshman 0 to 44
Sophomore 45 to 89
Junior 90 to 134
Senior 135 to 180

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