Stafford Loan Limits

Note: If you've met the limit for Stafford loans and you're still in need of additional funds, consider a Parent PLUS loan, Graduate PLUS loan or an Alternative Student Loan from UW Credit Union.

Annual Limits

Subsidized Total
(subsidized + unsubsidized)
Dependent* Undergraduates
First Year $3,500 $5,500
Second Year $4,500 $6,500
Third Year & Beyond $5,500 $7,500
Independent* Undergraduates
(and dependents whose parents are unable to borrow a PLUS loan)
First Year $3,500 $9,500
Second Year $4,500 $10,500
Third Year $5,500 $12,500
Fourth Year $5,500 $12,500
Fifth Year $5,500 $12,500
Graduate & Professional Students
$8,500 $20,500

Aggregate Limits

Subsidized Total
(subsidized + unsubsidized)
Dependent* Undergraduates $23,000 $31,000
Independent* Undergraduates
(and dependents whose parents are unable to borrow a PLUS loan)
$23,000 $57,500
Graduate & Professional Students $65,500 $138,500


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Lender Name:
UW Credit Union
Lender Code:
818611 (Stafford/PLUS)
878611 (Consolidation)
Lender Address:
3500 University Ave.
Madison WI 53705