Aggregate Federal Loan Maximum Amount

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Dependent or Independent Student

A student’s dependency status is determined from information provided on the FAFSA. It affects the Expected Family Contribution (EFC) and the aid that you may be eligible to receive.

For purposes of Title IV aid, a student is considered independent if he or she meets one or more or the following criteria:

  • the student is at least 24 years old by December 31st of the award year
  • the student is an orphan or ward/dependent of the court, or was a ward/dependent of the court until he or she reached age 18
  • the student is a veteran of the U.S. Armed Forces
  • the student is working on a master’s or doctorate programme at the beginning of the award year for which the FAFSA is completed
  • the student is married as of the date the FAFSA is completed
  • the student has at least one child who receives more than half of his or her support from the student
  • the student has a dependent, other than a spouse or a child, who lives with the student and receives more than half of his or her support from the student at the time the FAFSA is completed, and through June 30 of the award year
  • the student is currently serving on active duty in the U.S. Armed Forces for purposes other than training.

The student is considered dependent if he or she does not meet any of the preceding criteria for an independent student, unless the financial aid administrator determines that the student is independent on the basis of special circumstances and performs a dependency override.

If you are a dependent undergraduate and one of your Parents is taking a PLUS loan note that US regulations require that we have confirmation from the Parent when a Parent PLUS is taken that all the Parent PLUS loan is to be paid towards fees/charges/accommodation with any remainder being given to the student towards their living expenses. If one of your parents is taking a PLUS loan, we will require written confirmation of the above from your parent included with your loan paperwork.

Subsidised Aggregate Maximum
Dependent Undergraduate $23000 $31000
Independent Undergraduate $23000 $57500
Graduate $65500 $138500


*Please note, there is no maximum amount for unsubsidised loans, and the total subsidised and unsubsidised loans cannot exceed the aggregate maximum.