Maximum student loan borrowing amounts

What is the maximum amount of student loans I can borrow?

The federal government sets a limit on the amount of subsidized and unsubsidized direct loans a student is able to borrow both in a year and throughout their lifetime. This amount will vary based on your dependency status, academic level, Expected Family Contribution, and Parent Plus Loan eligibility. See the chart below from Federal Student Aid for more information. To find out how much you have borrowed to date, please visit nslds.ed.gov.

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