Federal Direct Loan Limits

Direct Stafford loan limits for students are as follows:

Maximum Annual Loan Limits

Dependent Students

student subsidized loan amountadditional unsubsidized loan amount
freshman $3,500 $2,000
sophomore $4,500 $2,000
junior or senior $5,500 $2,000

Independent and dependent students whose parents were credit-denied a Parent PLUS loan

student subsidized loan amountadditional unsubsidized loan amount
Freshman $3,500 $6,000
Sophomore $4,500 $6,000
Junior or senior $5,500 $7,000

Graduate students

student unsubsidized loan amount
Graduate $20,500

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 StudentIndependent Undergraduate StudentGraduate 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:

Contact us


Fax: 518-581-2782

Mailing Address: 
Empire State College
Financial Aid
111 West Ave.
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 (for graduate students applying for Veteran Tuition Awards)


Students planning to attend the spring 2 term starting in March 2017 should complete the 2016-2017 Free Application for Federal Student Aid.   Students who plan to attend starting in May 2017 or thereafter should apply for financial aid for 2017-2018 by submitting the 2017-2018 FAFSA.

Take the Next Step

Ready to advance your education and career? There’s no time like the present. Apply now, or learn more about SUNY Empire at one of our information sessions.