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Loan Maximums

Below are the applicable maximums that you are allowed to borrow.  Student Financial Services monitors your loans to ensure you do not exceed a limit.  Reviewing this information can help you plan what may be available during an academic year.  Click on a section below for more information by loan type.

- Undergraduate Direct Student Loan Limits
 

Class Level

Base Annual Amount for Dependant and
Independent Students

 

Additional Unsubsidized for Independent Students and Dependent Undergraduate Students whose Parents are unable to obtain PLUS Loans

Total Per Academic Year

Maximum of Annual that can be Subsidized

Freshman

5,500

3,500

4,000

Sophomore

6,500

4,500

4,000

Junior, Senior and Second Bachelors

7,500*

5,500*

5,000*

Teacher Certification

 

5,500

 

5,500

 

7,000


*To comply with federal law, CSU must prorate the amount of Direct Student Loan for any undergraduate student who enrolls in only one semester and will graduate in the same academic year.  This predominately will apply to undergraduate students who will graduate from their program at the end of a fall term.  The proration calculation is determined by dividing the number of credits a student is enrolled for by 24, multiplied by the appropriate annual loan limit.
 

- Graduate Direct Loan Limits
 

Class Level

Annual Limits

Aggregate Limits
(Includes any undergraduate loans)

Masters/PhD

20,500

138,500

Vet Med Years 1-3

40,500

   224,000

Vet Med Year 4

47,167

 

 

- Perkins Loans
 

Class Level

Annual Limits*

Aggregate Limits

Undergraduate

5,500

Freshman/Sophomore Level: 11,000
All Undergraduate Total: 27,500

*Actual awarded amounts may be less depending on available funding

 

- Health Professions Student Loans
 

Class Level

Annual Limits*

Aggregate Limits

Vet Med Students

Not to exceed the Cost of Attendance

None

*Actual awarded amounts may be less depending on available funding

 

- Direct PLUS Loan Limits
 

Loan Type

Annual Limits

Aggregate Limits

Parent PLUS Loan

Cost of Attendance minus all other aid

None

Graduate PLUS Loan

Cost of Attendance minus all other aid

None

 

- Short Term Loans
 

 Class Level

Semester Limits

Aggregate Limits

Undergraduate/Graduate

500

None

Vet Med Students

500

None

 

- Alternative Educational Loans
 

 

Annual Limits

Aggregate Limits

All Class and Student Levels

Cost of Attendance minus all other aid

Varies by Lender