Subsidised & Unsubsidised Direct Loan Limits
Loan Limits Update
Please note that as of 2026 the loan limits on subsidised and unsubsidised loans are changing. Information on loan limits from 01 July 2026 can be found here - One Big Beautiful Bill Act – Important Definitions | Federal Student Aid. You can also 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 (For 2025/26, and students that qualify as legacy)
| 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 |