Federal Direct Unsubsidized Student Loan Program

Aggregate Loan Limits: Non-legacy Students

Limits on federal student loans first disbursed on or after July 1, 2026:
The new limits below for Graduate, Doctoral, and Professional students only apply to new student loan borrowers on or after July 1, 2026. Students who have borrowed prior to this date will be held to the limits that were in place prior to July 1.

**All students outside of the legacy provision will have an overall lifetime federal student loan borrowing limit of $257,500. This includes all federal student loans combined except Federal Direct Parent PLUS loans, which are not borrowed by the student.

Aggregate Loan Limits: Legacy students

Annual Loan Limits: Non-legacy Students

Annual borrower limits for federal loans based on grade level and dependency status (U.S. Department of Education)

Limits on federal student loans first disbursed on or after July 1, 2026:
The new limit below for Professional students only applies to non-legacy student loan borrowers on or after July 1, 2026. Professional students who have borrowed before this date will be held to the limit that was in place prior to July 1.

Annual Loan Limits: Legacy students

Students under the legacy provision will continue qualify for the below limits: