There is a time limit for Federal Direct Subsidized Loans. Subsidy is limited to 150% of the length of the educational program for FDS loans that were disbursed on or after July 1, 2013, for students who have no outstanding principle—Direct Loan or FFELP—at the time of their disbursement. For example, if a student is enrolled in a four-year educational program, their eligibility limit for FDS is six years.
| Annual: Undergraduate dependent | FDS | Total FDS/FDU |
|---|
| Freshman (0 to 25 credits) |
$3,500 |
$5,500 |
| Sophomore (26 to 55 credits) |
$4,500 |
$6,500 |
| Junior (56 to 87 credits) |
$5,500 |
$7,500 |
| Senior (88+ credits) |
$5,500 |
$7,500 |
| Second bachelor's degree |
$5,500 |
$7,500 |
| Aggregate |
$23,000 |
$31,000 |
| Annual: Undergraduate independent | FDS | Total FDS/FDU |
|---|
| Freshman (0 to 25 credits) |
$3,500 |
$9,500 |
| Sophomore (26 to 55 credits) |
$4,500 |
$10,500 |
| Junior (56 to 87 credits) |
$5,500 |
$12,500 |
| Senior (88+ credits) |
$5,500 |
$12,500 |
| Second bachelor's degree |
$5,500 |
$12,500 |
| Aggregate |
$23,000 |
$57,500 |
| Graduate students¹ | FDS | FDU |
|---|
| ¹Master's, doctoral, specialist degree-granting program or SPADA certificate |
| Annual |
$0 |
$20,500 |
| Aggregate |
$65,500 |
$138,500 |
| Professional certification¹ | Dependent student | Independent student |
|---|
| ¹State permanent teacher certification |
| Annual FDS |
$5,500 |
$5,500 |
| Annual total FDS/FDU |
$5,500 |
$12,500 |
| Aggregate FDS |
$23,000 |
$23,000 |
| Aggregate total FDS/FDU |
$31,000 |
$57,500 |
