Subsidised & Unsubsidised Direct Loan Limits
Loan Limits Update
Please note that as of 2026 the loan limits on subsidised and unsubsidised loans are changing. You can find more information on this in One Big Beautiful Bill Act.
The below limits are for current students in academic year 2025/26.
Subsidised & Unsubsidised Direct Loan Limits
| Year of Study | Annual Subsidised | Annual Total Combined Loans (Subsidised & Unsubsidised) | Aggregate Subsidised | Aggregate Combined Loans (Subsidised & Unsubsidised) |
|---|---|---|---|---|
| Undergraduate Dependent Students | ||||
| Year 1 | $3500 | $5500 | $23000 | $31000 |
| Year 2 | $4500 | $6500 | $23000 | $31000 |
| Year 3+ | $5500 | $7500 | $23000 | $31000 |
| Undergraduate Independent Students | ||||
| Year 1 | $3500 | $9500 | $23000 | $57000 |
| Year 2 | $4500 | $10500 | $23000 | $57000 |
| Year 3+ | $5500 | $12500 | $23000 | $57000 |
| Graduates & Professional Students (all years) | $0 | $20500 | $0 | $138500 |