Federal Direct Loan Limits

Direct Stafford loan limits for students are as follows:

Maximum Annual Loan Limits

  • Dependent students
subsidized loan amount
additional unsubsidized loan amount
junior or senior
  • Independent and dependent students whose parents were credit-denied a Parent PLUS loan
subsidized loan amount
additional unsubsidized loan amount
Junior or senior
  • Graduate students
unsubsidized loan amount

Total Aggregate Loan Limits

The aggregate limits (total amount of funds you will be allowed to borrow) listed below refer to the total amount of money students are allowed to borrow during that level of their education:

Dependent Student
Independent Undergraduate Student
Graduate Student
$31,000 (no more than $23,000 of which can be subsidized) $57,500 (no more than $23,000 of which can be subsidized) $138,500 (total between undergraduate and graduate levels)

Please note that as of July 1, 2013 all new loan borrowers (including students who have previously borrowed loans but have paid them off), are subject to the subsidized 150% regulation.  This regulation limits subsidized loan eligibility to six years or the equivalent for students in a bachelor's program, and three years or the equivalent for students in an associate program.  A student that has not reached the aggregate loan limit, but who has reached this limitation, will not be eligible for subsidized student loans. 

Learn more about the federal direct-loan program:



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Fax: 518-581-2782

Mailing Address: 
Empire State College
Financial Aid
111 West Avenue
Saratoga Springs, NY 12866

Questions? Contact the student information center at 518-587-2100 or 800-847-3000.


Code: 010286
Name: SUC Empire State College

TAP Codes

Undergraduate: 0913
Graduate: 5680


Aid for Part-Time Study funding has become available again for the 2014 spring term, which falls within the 2013-2014 academic year. You must apply for APTS for 2013-2014 in order to receive a 2014 spring award.

The priority deadline to apply for financial aid for 2014-2015 is April 1, 2014.