Federal Direct Loan Limits
Direct Stafford loan limits for students are as follows:
Maximum Annual Loan Limits
Dependent Students
| student | subsidized loan amount | additional 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 amount | additional 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 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) |
Learn more about the federal direct loan program:
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Contact Us
Fax: 518-580-4863
Mailing Address:
Empire State University
Office of Financial Aid
111 West Ave.
Saratoga Springs, NY 12866
Questions? Contact 1Stop Student Services at 518-587-2100 or 800-847-3000.
FAFSA Info
Code: 010286
Name: Empire State College
TAP Codes
Undergraduate Associate: 0916
Undergraduate Bachelor's: 0913
Graduate: 5680 (for graduate students applying for Veteran Tuition Awards)
Announcements
Students applying for aid for the summer 2024 term, fall 2024 term or spring 2025 must submit a 2024-2025 FAFSA.
There are significant delays on the part of the U.S. Department of Education with FAFSA and the awarding of financial aid! View the most up-to-date information on the status at FAFSA Update.