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: 518-580-4863

Mailing Address: 
Empire State College
Financial Aid
1 Union 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 Associate: 0916

Undergraduate Bachelor's: 0913

Graduate: 5680 (for graduate students applying for Veteran Tuition Awards)


Students planning to attend summer 2018, fall 2018 or spring 2019 should apply for financial aid for 2018-2019 by submitting the FAFSA.  The priority deadline to apply for financial aid for 2018-2019 was April 1, 2018, but we are still accepting and reviewing applications.

In order to process your financial aid eligibility by the spring term payment due date, you must have all applications in and any additional financial aid requirements/documents submitted and any student loans accepted by the deadline date of December 7, 2018

 Students planning to attend summer 2019, fall 2019 or spring 2020 may apply for aid early by submitting the 2019-2020 FAFSA on or after October 1, 2018.

You will need Adobe Acrobat Reader to view the PDF files on this site. If Acrobat Reader is not installed on your computer, you can download it for free from Adobe's site. If you are still unable to view the file, please contact us at financialaid@esc.edu or call 800-847-3000.

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