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:
Contact Us
Fax: 518-580-4863
Mailing Address:
Empire State College
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: SUC Empire State College
TAP Codes
Undergraduate Associate: 0916
Undergraduate Bachelor's: 0913
Graduate: 5680 (for graduate students applying for Veteran Tuition Awards)
Announcements
For students who plan to enroll in courses beginning May 2022 and thereafter, please submit the 2022-2023 FAFSA.
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.
