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What is the max amount that I can borrow when applying for a loan/loans?

The annual maximum amounts you may borrow are as follows:

  • $5,500 for a first-year, dependent student
  • $6,500 for a second-year, dependent student
  • $9,500 for a first-year, independent student
  • $10,500 for a second-year, independent student

In addition to annual borrowing limits, loans also have aggregate limits:

  • $31,000 total of subsidized and unsubsidized limit for dependent students - No more than $23,000 of this amount may be subsidized
  • $57,500 total of subsidized and unsubsidized limit for independent students - No more than $23,000 of this amount may be subsidized

Your financial need and program of study determines how much of this you’re eligible for. Because loans are a type of aid that must be repaid, we recommend only borrowing what you need. Students should visit their campus Financial Aid Services Office to review their current loan award with a Financial Aid advisor, who will to determine if loan disbursements can be increased, cancelled, or returned.

Contact: 
(281)-998-6150, finaid@sjcd.edu
Department: 
Financial Aid