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Financial Aid

Federal Direct Loan Borrowing Limits


There are two types of Federal Direct Loans. Your eligibility is determined after your Free Application for Federal Student Aid (FAFSA) has been reviewed.

  • Direct Subsidized Loans are interest-free while you are enrolled in college at least half-time and during a six-month grace period after you leave school.
  • Direct Unsubsidized Loans accrue interest while you are enrolled in college. You can choose to pay the interest each month while in school, or allow the interest to accumulate.
  • Your Federal Student Loan offer amounts for the year are dependent upon the class levels highlighted below:


Undergraduate Students

 Class Level  Dependent Students  Independent Students Maximum of Subsidized Aid
 Freshman  $5,500   $9,500   $3,500
 Sophomore  $6,500   $10,500   $4,500
 Junior  $7,500   $12,500   $5,500
 Senior  $7,500   $12,500   $5,500



 Graduate Students

 Class Level All Graduate Students Unsubsidized  
 Graduate   $20,500  




Lifetime Aggregate Loan Limits

Student Level Lifetime Maximum Loan Limit
Undergraduate Dependent Students: $31,000 (of which no more than $23,000 can be subsidized loans)
Undergraduate Independent Students: $57,500 (of which no more than $23,000 can be subsidized loans)
Graduate/Professional Students: $138,500 including undergraduate loans (of which no more than $65,000 can be subsidized loans)

Contact Us

Office of Financial Aid
Kennard-Washington Hall (KWH) 101
118 College Dr. #5101 Hattiesburg, MS 39406

Hattiesburg Campus

Fax 601.266.5769

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Contact Us

Student Services One Stop
Hardy Hall, First Floor
730 East Beach Blvd. 
Long Beach, MS 39560

Gulf Park Campus

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